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.
Squatter’s rights do not exist; property rights do.
On May 15, 2024, Texas Public Policy Foundation’s James Quintero testified before the Senate committee on the issue of “squatter’s rights.” McCaw Property Management (n.d., para 1) defines a squatter as “somebody who is living on a land or in a building that is either unoccupied, abandoned, or foreclosed without the legal consent of the...