The Texas Windstorm Insurance Association (TWIA) provides windstorm and hail coverage in the 14 coastal counties and a few other specially-designated areas. All property insurers in Texas must participate in TWIA and must help pay losses. Although TWIA was intended to provide windstorm insurance coverage only to those who could not purchase insurance in the voluntary market, it is no longer an insurer of last resort.
Article V Convention of States: Overview and Model Legislation
Since the adoption of the U.S. Constitution, the power of the federal government has grown beyond the bounds originally envisioned by the Framers. Key Points: Just 16% of Americans say they trust the federal government to “do the right thing.” Federal interference has had life threatening results, especially at the border. Poor federal policy has...