Despite the attention it has garnered, Texas House Bill 1774 will only have an impact on a small number of Hurricane Harvey related claims filed after August 31, 2017. Not only does the law not apply to insurance claims under the National Flood Insurance Program, but it will only have an impact on a small number of those private insurance claims that are delayed, disputed or result in litigation. See this reporting by Vox for more information on Texas House Bill 1774.