In Texas, can an insured abandon her property to be paid for a total loss?

In Texas, the principle of abandonment in relation to insurance policies states that an insured cannot simply abandon their property in order to receive payment for a total loss. The insured is required to retain ownership and the responsibility for the property until the insurance company has assessed the loss and completed the claims process. This ensures that the insurer has the opportunity to inspect the property and determine the actual value before any claims are settled.

The prohibition against abandoning property is designed to prevent potential fraudulent activities where insured individuals might attempt to claim more than the actual loss incurred. By maintaining ownership, the integrity of the insurance system is preserved, allowing for a fair assessment of claims and ensuring that policyholders are treated equitably.