A change in homeowners’ insurance regulation passed by the 78th Texas Legislature goes into effect in December 2004. Because it transforms the state from a “flexible band” to a “file and use” regulatory environment, the law – SB 14 – in theory moves Texas closer to being a free market in insurance. In the context of the homeowners’ insurance market as a whole, this paper examines the hoped-for positive outcomes and potential pitfalls of SB 14, which includes a provision for “subsequent disapproval” rulings by the insurance commissioner.
The left is all about squatters’ rights putting homeowners like you at risk
It’s no coincidence or “rare practice”— and it’s certainly not a case of “conservatives pounce.” The recent spate of incidents involving squatters is part of a concerted effort to undermine property rights. That includes the March death of a woman in New York, who was allegedly murdered and dismembered by teens who had been squatting...