Bay Area Houston

NOTE: I have arranged a meeting with the TDI staff to address the rising cost of insurance in our area. I will update later.

Her Speech
To say the speech by the Texas Insurance Commissioner Cassie Brown’s was disappointing would be a gross understatement.

After telling the business community how wonderful the TDI is protecting the consumer from the rising cost of insurance and explaining why rates are so high, she left the stage, took no questions, and quickly left the building. Many in the crowd were not  happy especially those at my table. 

I was able to speak with her briefly as well as two other attendees. A realtor told her about the impact to realtors in the area and her personal 40% increase, she basically asked her Why? Brown’s response was simply “I just told you why in my speech”. My question to her was about the price gouging by roofers after a hail storm or hurricane. Her response was short “We have no control over that.”. She then ignored my plea for the TDI to at least address the issue.

Reasons for high premiums.
Iv’e heard the same excuses from the insurance industry. Inflation, rise in home values, and “severity and frequency of storms” (climate change). I have said it before. The entire industry, the lobbyists, and many elected officials will NEVER say “Climate change” it is always “severity and frequency of storms”. She used the exact phrase of the industry.

Actions being taken to reduce the risk
She did not address anything the TDI was doing to reduce damage to homes such as better requirements on roofing materials, stopping price gouging, or anything positive.

My opinion
I do not believe the Commissioner is concerned about our situation. She seems to be representing the industry and the industry only. She showed no interest in our situation, no empathy, no concern. She never addressed the extreme rate increase we were experiencing. It was as if she really didn’t care. Disappointing to say the least especially when talking to the business community.

This entry was posted on Thursday, August 21st, 2025 at 7:23 am and is filed under Consumer. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.