The sunset review process of TDI presents an excellent opportunity to address today’s problems with the regulation of homeowners’ insurance and 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