01
Strengthen Homes Before Storms
Support mitigation, resilient repairs, stronger roofs, and consumer education that reduce damage before the storm arrives.
Risk ReductionModule 07 · The Agenda
Affordability Starts with Reducing Risk
and Preserving Competition
The best insurance affordability policies reduce cost drivers, strengthen resilience, and keep companies competing for Texas consumers.
Risk ReductionSystem IntegrityCompetitionMarket Stability
Ten constructive paths
A positive policy agenda
Each item is designed to make Texas insurance more affordable by attacking real cost drivers — not by suppressing the price of risk.
02
Encourage Roof and Hail Mitigation
Promote targeted investments and incentives that reduce future losses and help control homeowners claims costs.
Risk Reduction03
Reduce Fraud
Equip investigators with the tools and data to identify, prevent, and penalize fraudulent claims and organized schemes.
System Integrity04
Address Litigation Cost Drivers
Pursue balanced reforms that reduce unnecessary legal costs while protecting Texans with legitimate claims.
System Integrity05
Improve Auto Safety and Theft Prevention
Back policies that reduce crashes, vehicle theft, and the rising cost of repairing modern vehicles.
Risk Reduction06
Preserve Consumer Choice
Keep a market where multiple companies compete on price, product, and service so Texans always have real options.
Competition07
Maintain Actuarially Sound Rates
Rates should reflect risk so insurers can pay claims today and remain in the market tomorrow.
Market Stability08
Protect Solvency
A financially strong insurance market is essential after major catastrophes — solvency is consumer protection.
Market Stability09
Use Data Carefully
Transparency should inform policy without drawing misleading conclusions from incomplete or partial metrics.
Better Inputs10
Keep Texas Open for Insurance Business
Texas should remain a state where insurers want to compete, invest, and serve consumers across every community.
CompetitionThe other side of the agenda
What not to do
These approaches tend to backfire — making coverage less available without making risk less expensive.
- Impose arbitrary loss ratio mandates.
- Suppress rates below risk.
- Create delays that make rates outdated before they take effect.
- Discourage companies from writing in Texas.
- Mistake price controls for affordability.
- Ignore claim costs, expenses, reinsurance, litigation, and catastrophe risk.
The Texas Standard
Texas does not need to follow California.
Texas has its own path — and it is working.
Reduce the cost of risk.
Invest in stronger homes, smarter building standards, hail-resistant materials, wildfire mitigation, flood infrastructure, safer roads, and practical risk reduction. Make the underlying risk cheaper — and insurance becomes more sustainable.
Keep competition strong.
More companies competing for Texas consumers means better prices, better service, and more coverage options. Every policy decision should ask: does this keep companies wanting to write in Texas?
Maintain actuarial integrity.
Rates that reflect real risk keep companies solvent and claims-paying. Texans need insurers that can write a check after the next major hailstorm, hurricane, wildfire, or winter storm. Solvency is consumer protection.
Let the Texas market be the national model.
The nation's leading economy deserves an insurance market built for its scale, its risk, and its future. Sound policy today keeps Texas competitive, covered, and leading.
Affordability built to last — not built to look good on paper.
Staffer Summary
The most durable affordability strategy is to reduce the cost of risk, preserve competition, and maintain a market where insurers can pay claims and consumers can find coverage.
Affordability built to last, not built to look good on paper.