This report focuses on identifying the underlying statutory provisions that, if amended or repealed, would eliminate many of the conflicts in homeowners’ insurance law. The report’s recommendations are designed to do this and, ultimately, to bring a consumer-friendly regulatory system to the Texas homeowners’ insurance marketplace.
Property Rights
Housing Is Too Expensive. Blame Your Local Tree Ordinance.
Matthew Bernard wanted to build a home. He bought a small lot in Oakland, California, and began clearing several diseased and fallen trees that the local fire department had identified as hazards. The result was a $915,000 “mitigation fee” from the city of Oakland—nearly five times the value of the lot itself. Under Oakland’s tree ordinance,...
August 27, 2026