Reform of property and casualty filing requirements enacted by the 78th Texas Legislature represents an important step toward reducing the cost, improving the quality, and expanding choices for consumers. In this presentation to the Texas Department of Insurance and the Office of Public Insurance Council at an open meeting, recommendations are made for continuing improvements to the state’s insurance market.
Local Government
TWIA’s Expanding Reach Raises Fresh Concerns
TWIA has become the leading wind and hail insurer in the catastrophe area. Its position has direct and indirect consequences for Texans statewide. Key points: Since 2020, TWIA has steadily increased its market share in the catastrophe area, raising concerns about scope and cost. TWIA’s quasi-governmental model imposes potential costs on statewide policyholders and private...
September 15, 2026