(Bloomberg) -- Stephen Pate, a member at Cozen O'Connor, and Brian Lauten, a partner at Deans & Lyons, discuss Texas House Bill 1774, which goes into effect on Friday and makes it more difficult to sue insurers for mistreating policyholders. However, the bill does not apply to the federal flood insurance program, and is unlikely to impact many victims of hurricane Harvey. They speak with June Grasso on Bloomberg Radio's "Bloomberg Law."