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.
Ranked-Choice Voting: Overview and Model Legislation
The movement to adopt ranked-choice voting as a system for elections has been growing throughout the nation. It is a complex method of voting that has a disenfranchising effect and violates the “one person, one vote” doctrine. Key Points: Ranked-choice voting is slow, confusing, and complex. RCV violates the one person, one vote doctrine. RCV...