General Discussion

Homeowner insurance is rising across the country due to natural disasters from climate change and the skyrocketing costs of building materials. Here in Texas we're seeing increased instances of tornado activity, increases in major hurricanes, and baseball sized hail that takes out a roof or un covered car in a matter of minutes. Our insurance department, TDI, is little more than a rubber stamp, and many insurers have either left the state or quit writing new policies. Rates have exploded over the last five years, to the point that many people pay more for insurance than they do for property tax which is among the highest in the nation.