Sheriff Fullen preparing for immigration raids.

January 22, 2025

Jimmy Fullen ran on protecting Galveston County from the hordes of rabid immigrants crossing the border hundreds of miles away. Now it is time he keeps his campaign promise.

Newly elected Sheriff Jimmy Fullen has been busy deputizing a couple hundred law enforcement officers. You can see the full list here. In his last campaign finance report he listed a large donation of $10,000 from the Committee for a Safer America. The sole donor is Susan D Sarofim for $80,000. She also gave to other law enforcement officials like Harris County DA Sean Teare and former DA Kim Ogg.

Fullen still has a couple of ethical problems to deal with before starting his raids on restaurants and contractors. He has an outstanding ethics complaint against him for falsifying a government document by padding his campaign account with a $100,000 loan that he never made. The Republic Party doesn’t take to kindly to those who falsify government documents. Just ask Hunter Biden. He also has a hearing set for March with the Texas Commission On Law Enforcement (TCOLE) on whether his law enforcement license will be revoke for….wait for it….falsifying a government document.

Once the Republic Party lets him off the hook I can see Fullen starting an immigration task force and raiding all the businesses in Galveston County who are hiring workers are here illegally. Personally I wouldn’t hold my breath.


Congratulations America.

January 20, 2025

He actually represents one third of Americans very well. This is what you have become.


Keller ISD issues warning to CCISD voters

January 18, 2025

Don’t let them take over your board!

If you haven’t kept up with the chaos in Keller ISD you might want to. Hundreds of parents attended the last board meeting in opposition to the Board considering splitting the district into two, one for the rich white kids and another for the others. That’s a bit of an exaggeration but when you look at the demographics and the available resources in each new district that is what it looks like. The meeting was so bad the Superintendant threatened to resign. The decision was tabled.

This is just the latest in a series of events which started with the takeover of the Board by extremists funded by an out of district PAC, which should sound familiar to CCISD residents. Patriot Mobile PAC donated $150,000 to three extremist candidates, $45,000 each, for an election that should have cost about $5000 each. They ran as a “coalition” of “conservatives” and won with the help of two wealthy donors to a PAC called Patriot Mobile. From a previous post:

Since January 2022 Patriot Mobile PAC spent $985,385. Of that $392,000 was spent on candidates in school district races and MUDs. Each KISD candidate Walker, Young and Shaw received $45,321 for their campaigns. As I said, this is A LOT for a school race that usually costs a couple of thousand dollars. All three were elected.

Shortly afterward one of the new board members, Sandi Walker, invited a Dutch evangelical film crew to one of the high schools without permission from the school, the board, or the parents. They filmed, they aired their, and Walker resigned. Trustee Young was also involved with hundreds of parents calling for his resignation. Lawsuits may have been filed, and should have been filed.

Keller ISD is smaller than CCISD by about 10,000 students. CCISD doesn’t need to split the district. Unlike CCISD Keller is mired in fiscal mismanagement. I would bet that is one of the reasons they want to split is to push the debt onto one of the new districts.

This kind of crap is what happens when we allow outside, rich, Political Action Committees to influence our school board elections. Trustee Scott Bowen has led the effort by recruiting unqualified candidates and financing them through extremist groups like Defend Texas Liberty, a PAC funded by two evangelical billionaires out of Dallas. Defend Texas Liberty was dissolved after being caught organizing with a known white supremacist. CCISD is considering changing the school board elections so that a “coalition” of candidates could run, be funded by an outside group with huge amounts of money, and change the composition of the board to be like Keller. And Katy. And Cypress. And Spring. Keller is issuing a warning to CCISD.

Heed the warning folks.


CCISD Trustee cooking the books?

January 18, 2025

It’s Bowen. Again.

Ever since 2008 I began reviewing campaign finance reports specifically, at first, I focused on what elected officials and candidates spent their donors money on and wow did I find some doozies! Former State Representative John Davis, representing the Bay Area, was caught spending his donors money on fancy, expensive, boots and gas for his roofing company. State Senator Jane Nelson, now the Secretary of State, was spending her donors money on a condo, then got caught giving her husband money to buy a condo. But today is a first with Bowen.

Recently League City Council Member Justin Hicks was caught conveniently hiding a loan to his campaign. In his amended report the loan came from his treasurer. His treasurer is his wife. There there is Sheriff Fullen who reported a $100,000 loan which mysteriously vanished on the next report. The Texas Ethics Commission is investigating both of these.

In his latest report Bowen is reporting a donation, from himself, for $20,000 to pay off a loan that he made to himself. WTF? When he made the loan to himself he was required to actually deposit the money into a separate account. So now he donates another $20,000 to himself, deposits that donation into his account then pays himself for the loan. None of that makes cents.

What Bowen is trying to do is turn his first loan into a donation therefore he does not have to report an outstanding loan balance in his future reports. That’s not the way this should be accomplished but for the Republic Party rules and laws are for suckers. Bowen starts his campaign with over $9200, mostly his own money.

He is up for reelection in May.


Raising Campaign Cash: State Representative Dennis Paul

January 17, 2025

Not promising for us concerned about home insurance.

State Representative Dennis Paul raised $55,905 in his latest reports covering the period of July-December 2024. That actually is one of his most productive reports. Of that total $54,600 or 98% came from PAC money and $1,304 came from 6 individual donors. Of these $8500 came from insurance related PACs. Paul sits on the House Insurance Committee.

During the same period he spent $39,049 with $22,500 going back to a number of PACs including Realtor PACs, USAA, General Contractors PAC, and BearBacker PAC. $15,000 went to pay off his outstanding $150,000 loan to win the seat over 10 years ago. He received $2500 from the BearBacker PAC then turned around and donated $2500 back to them. BearBacker PAC is related to the Baylor Bears according to their Facebook page.


Raising Campaign Cash: CCISD Trustee Scott Bowen’s Billionaire Buddies

January 14, 2025

Different name. Same game.

CCISD Trustee had the ear of the PAC Defend Texas Liberty. They were funded by two billionaires in Dallas, Timothy Dunn and Farris Wilks and featured in an investigative report by CNN. That PAC eventually folded after their leadership was caught meeting with a known white supremacist Nick Fuentes. Bowen’s association with this group and others was so disturbing I spoke at a board meeting detailing his involvement. You can read the details here.

But Defend Texas Liberty is back. Again. This time as Texans United for a Conservative Majority PAC. Same people. Different name. Over the last year TUCM (Tuck-em) raised $9,606,725 with $7,065,000 coming from Dunn, and $1,290,000 from Wilks.

These individuals tried, unsuccessfully, to influence the last CCISD election financing Peter Lauzon’s campaign. He lost. They also donated $5000 to another candidate. She returned the money. Bowen himself received $2000 from them.

You might want to read the information on Scott Bowen’s relationship with these guys and other organizations. Here are the entire list of donors and donations:

Contributor NameAmount
Adams ,Carol20,000.00
Adamson ,Mark25,000.00
Barnes ,Rick3,500.00
Beebe ,Matt750.00
Bennet ,Montgomery25,000.00
Bennet ,Montgomery25,000.00
Bennet ,Montgomery10,000.00
Bruce ,Robert20,000.00
Bruce ,Robert10,000.00
Carroll ,Don5,000.00
David Lowe Campaign100,000.00
Dunn ,Timothy1,675,000.00
Dunn ,Timothy1,625,000.00
Dunn ,Timothy1,365,000.00
Dunn ,Timothy600,000.00
Dunn ,Timothy600,000.00
Dunn ,Timothy450,000.00
Dunn ,Timothy325,000.00
Dunn ,Timothy200,000.00
Dunn ,Timothy125,000.00
Dunn ,Timothy100,000.00
Elswick ,Roger35,000.00
Elswick ,Roger35,000.00
Fails ,Chris750.00
Fite ,Ralph1,500.00
Groves ,David1,000.00
Hexagon Partners700,000.00
Hillary Hickland Campaign5,000.00
Karger ,Ken1,000.00
Mason ,Mike2,500.00
Morrison ,Peter15,000.00
Owens ,Tom30,000.00
Owens ,Tom3,000.00
Rydin ,Michael100,000.00
Rydin ,Michael10,000.00
Rydin ,Michael4,000.00
Texans for Responsible Judges PAC55,000.00
Wallace ,Bonnie1,250.00
Wilks ,Farris1,290,000.00
Wise County Conservatives7,475.00
9,606,725.00

Trustee Elections: Cejka vs Brian Bowen’s Buddy

January 13, 2025

CONFIRMED: Joe Machol, currently a Seabrook Council Member will be challenging Trustee Jessica Cejka.

OMG! I meant SCOTT Bowen. LOL Brian is Scott’s brother. He was in the same Boy Scout troop at the same time my son was!

Billionaires for Bowen.

I hate to spread rumors but….looks like CCISD Trustee Scott Bowen has been actively looking for a candidate to challenge Trustee Jessica Cejka and has found one. Bowen has done this before recruiting Misty Dawson, Christine Parizo, and his latest Peter Lauzon. All three lost.

Dawson was one of the most unqualified candidates to ever run for an education position yet she lost to Trustee Cejka by just 40 votes. She eventually sued, with the help of the Republic Party, then conceded.

Christine Parizo lost by 25 points, not votes, points. She demanded a recount and complained to the Texas Attorney General who denied her request. At that point it was cloooooosed. She claimed the election was “rigged”. It wasn’t.

Peter Lauzon was another unqualified candidate but was a good buddy of Bowen. He was caught on film advocating for all the chaotic nonsense Bowen brought to the board. He was also funded by Defend Texas Liberty PAC an extreme fair right PAC solely funded by two extreme right wing billionaires in north Texas. That PAC dissolved after their leadership met with white supremacist Nick Fuentes. Bowen also has very disturbing associations with white supremacists. Read about that here.

Bowen has also received donations from this PAC as well as being associated with Steven Hotze another wealthy extremist with the Harris County Republic Party. Hotze has since been charged with 4 felonies including assault with a deadly weapon and organized crime. All of this stemming from a false claim of ballot harvesting. Hotze is also being sued civilly for his role in the assault.

Trustee Cejka has served one term and should be returned by the voters. Her heart seems to be in the right place which is the most important qualification for the position. She has great educational background including a Bachelors degree in mathematics from Texas A&M. Masters in education (Instructional Technology) from UHCL. Masters in education (Educational Administration) from UHCL. And she has served on the CCISD Board for one term.

Bowen and his Billionaire Buddies have other priorities which do not include parents, teachers, and students. I expect Bowen and his Buddy to run as a coalition funded by one of the many extremist organizations in Texas. Maybe his buddy doesn’t share Bowen’s priorities but there is absolutely no reason to challenge someone who is doing the job of Trustee and doing it well.


Harris County Republic Party’s chief voter fraudster going to trial

January 10, 2025
From the Houston Chronicle

This is some serious stuff.

Steven Hotze, who led an effort to rid Harris County of illegal voting and harvesting of votes, is scheduled to go to trial this year on a number of serious charges concerning….wait for it….voter fraud. In 2020 a retired police officer, working for Hotze’s Liberty Center for God and County organization, stopped and held at gunpoint an air conditioning repairman claiming he had a truck full of harvested ballots. He didn’t. The officer was charged with a number of felonies including assault and false imprisonment.

Later Hotze was also charged with 4 felonies including engaging in organized crime, Case # 188121801010. The AC repairman has since filed a civil suit against Hotze and Liberty Center for God and County. You can read the entire complaint here. There is a damning recording between Hotze and a US Marshal, Lt Governor Dan Patrick’s brother asking for help for the arrest of the AC repairman.

Now Hotze is trying to delay his trial. His attorney, the former Chair of the Harris County Republic Party, Jared Woodfill, claims the charges are all part of a great conspiracy by the Democratic Party. From the Houston Chronicle:

“[Hotze] was only criminally prosecuted due to his political views and the fact that Liberty Center was investigating voter fraud in an election where the Democrats were successful,” Hotze’s lawyer, Jared Woodfill, wrote in the filing.

Just to be clear there has been no evidence of voter fraud discovered in Harris County or anywhere for that matter. None. Zero. Zip. Nada. All lawsuits stemming from the 2020 election claiming voter fraud were dismissed. A year and a half of investigation by the Texas Rangers and DA Kim Ogg resulted in a giant whomp whomp ending in an embarrassing press conference.

The AC repairman’s suit is scheduled for Feb 17. This ought to be interesting.


Trump to declare Jan 6 as Patriot Day

January 6, 2025

We should be so proud, boys.

Just wait for it. It is coming. After he pardons those who attacked the capitol including the leader of the Proud Boys who is serving 22 years for seditious conspiracy, Trump is going to declare Jan 6 as Patriot Day. This is how dictators behave. This is how they thrive and with the cowards in the Republic Party he will rein unchecked. Members of the Capitol Police lost their lives during the Jan 6 riots. Those who beat these officers with flags and sprayed them with irritants will soon be released, pardoned, and will probably be invited to the White House for a formal apology.

This is who you voted for. This is who you are. Go fuck yourself.


Cliffnotes: Interim Report on Insurance from the Business and Commerce Committee

January 3, 2025

Underwhelming to say the least.

If you would like to read the report on the interim charges to the Texas Senate Business and Commerce Committee it is available online here starting on page 19. It is interim charge 7 titled “Addressing the Rising Cost of Insurance. It is only 2 pages. Here are my notes/thoughts.

  • The Committee held a hearing on Oct 1. The testimony was dominated by the industry.
  • Texas has the 2nd largest market in the nation bringing in $290 Billion in premiums.
  • The increase in premiums are due to climate change, inflation, labor expenses, supply chain disruptions and reinsurance (LOL. They are using climate change against us to increase our premiums. Inflation is well under control and has been for a while but it did NOT account for a doubling of premiums. Supply chain disruptions were corrected years ago.)
  • They ignored the inflated cost of roofing after an event such as hail or extreme weather. Why does a roof cost $24,000 to replace after an event, but only $6000 at other times?
  • They blame us for not “shopping around”.
  • TDI stated only 4 companies left Texas in 2024 but ignored comments from area such as the Bay Area where 5 of 6 members of the Texas Coalition for Affordable Insurance Solutions (TCAIS) will not longer write policies.
  • There was a significant uptick in the Texas Fair Access to Insurance Requirements (FAIR) Plan from 72,626 to 91,841 from 2003 to 2024.
  • TDI claims homeowners in Texas saw an average rate increase of 21% in 2023. I’m not sure if that is a rise in rates or premiums which are two different things.
  • TDI reviewed 1313 rate filings with 107 filings withdrawn, 78 rejected for administrative discrepancies. They did not disclose how many rate increases were rejected by TDI.
  • The recommendations are basic if not ridiculous.
    • Implement guardrails to protect against unfair pricing practices, which could include, but is not limited to, rate filings and premiums assessed to policyholders.
    • Support the efforts of both TDI and OPIC to improve notice to policyholders about rate changes, coverage reductions, and comparison-shopping tools.


Community Meeting on the rising cost of Home Insurance

January 2, 2025

I have secured the Webster Activity Center on Jan 7, 2025 for another community meeting to discuss and take action concerning the rising cost of home insurance in our area. We will focus on the upcoming legislative session and how we can take the opportunity to influence our elected officials. For those who are not aware this session begins Jan 14 and will continue till June 2

Our elected officials have been invited to attend and discuss what we can do. Please save the date, invite your neighbors, and I will see you Tuesday. Preliminary agenda:

  • Short recap of the last meeting
  • Update on upcoming legislation
  • How can we participate in the process
  • Open forum, Q&A

Join our newsletter at www.tinyurl.com/BayAreaHouston

Tuesday Jan 7, 2005 6:00PM-8:00PM
Webster Activity Center
311 Pennsylvania Ave
Webster Texas 77598


2025 The year of Luigi?

December 31, 2024

Violence is never an acceptable response. (except for Jan 6 according to the Republic Party)

What could possibly drive someone to killing? Many years ago during a hearing in Austin I was describing what homeowners experienced during their fight with their homebuilder concerning a major construction defect in their new home. I had experienced this frustration dealing with my own defect back in 1992. It’s not fun watching as someone with the power to make things right turn to their team of attorneys and ignore you. It’s not fun looking for help from the court system just to learn the builders are well protected by the laws that were originally designed to protect you. It can eat on you and I can see someone being driven to violence. (I had my own thoughts about doing something but it was not violent)

Well years later a man in Georgia after arguing with his homebuilder for over 6 months invited him back to his house and killed him. He served 10 years in prison. Luigi Mangione did the same thing taking the life of an insurance company CEO. He took matters into his own hands much like the Jan 6 rioters. According to trump the rioters were justified because they thought the election was rigged. (hum….who in the living fuck convinced them of that?) Maybe trump will pardon Luigi since he believed his violence also justified.

Maybe others will get the idea of taking advantage of our lax gun laws and solve their problems with their God given right to the 2nd Amendment. America is poised to bring back western style justice against those who harm them financially or physically. When the criminal and civil courts abandoned you and you are left with only memories of a loved one, or left with the job of taking care of a loved one for the rest of their life, or left in financial ruin and you have easy access to military style firearms what could possibly go wrong for those who are responsible? Top that off with elected officials on every level of government condoning violence as they did on Jan 6.

Maybe Luigi did us a favor, but in the wrong way. Maybe CEO’s might want to think twice about screwing people. Maybe homebuilders might want to fix the defects they created. Maybe law makers might want to create laws to protect us from gun violence instead of offering useless thoughts and fucking prayers.

In America those who take the law into their own hands usually end up being held accountable….except for trump’s Jan 6 rioters. So America, stand back and stand by.


Cliffnotes: Matt Gaetz investigation report

December 24, 2024

And to think trump was going to appoint him as the United States Attorney General. Based upon this report he would have been perfect for the job! This is who people wanted to lead our country.

I took one for the team and read the House Ethics report on former Congressman Matt Gaetz. It’s full of evidence concerning prostitution, rape, drugs,human trafficking, group sex, misuse of office resources, and obstruction of justice. Here is their conclusion:

Ouch. Here are my notes:

  • Gaetz was asked to volunteer his testimony in his defense. He refused.
  • Gaetz was subpoenaed to appear before the committee. He refused.
  • Many of the allegations stem from Goetz’s relationship with former county tax collector in Florida named Joel Greenberg, who was sentenced to 11 years in prison in 2022 
  • Evidence showed that Gaetz would split the cost of their sexual encounters, hotels, and drug use
  • Gaetz paid a woman $750 with a check marked as “tuition” after having group sex with her and others.
  • After a photo was released of Gaetz and a woman he arranged to meet with in Key West, Gaetz denied he knew who she was. Evidence later showed he paid her $650 the day after the photo was taken.
  • Greenberg introduced women to Gaetz via SeekingArrangement.com. One “older” women, who was 25 at the time, was paid to attend “events” ranging from $500-$1000 each.
  • Victim A was 17 at the time. Gaetz denied knowing she was 17. Evidence showed he paid her for sex.
  • Gaetz had group sex with her. She was a junior in high school.
  • The Committee did not receive any evidence indicating that Representative Gaetz was aware that Victim A was a minor when he had sex with her.  
  • The group sex was at a home of a lobbyist, Mr. Dorworth, who claimed to the committee he was not at his house when the sex occurred. Phone records obtained by the committee proved otherwise.
  • Gaetz denied having sex for money and using drugs. The committee provided evidence to the contrary from 15 women.
  • Gaetz refused to answer specific questions about sex, drugs, and payment with Victim A, the 17 year old.
  • Gaetz asked his Chief of Staff to help one of the women he took to the Bahamas to obtain a passport which was usually handled by lower staff. she lived outside of his district. He paid her $1000 which she claimed was for the passport.
  • Gaetz whined about “weaponizing” the Ethics Committee and obstructed the investigation.
  • Some of the women feared retaliation for their participation in the investigation
  • The Committee did NOT find evidence of federal human trafficking laws
  • The Committee Found that Representative Gaetz Engaged in Commercial Sex 
  • The Committee Found that Representative Gaetz Violated Florida’s Statutory Rape Law 
  • The Committee Found Representative Gaetz Used Illegal Drugs 
  • The Committee Found that Representative Gaetz Violated the House Gift Rule 
  • The Committee Found Representative Gaetz Dispensed Special Privileges and Favors to Individuals with Whom He Had a Personal Relationship 
  • The Committee Found Representative Gaetz Sought to Obstruct Its Investigation of His Conduct 

Movie Review: Homestead

December 23, 2024

Watch it? Rent it? Skip it?

For fuck sakes. Skip it. That was a complete waste of 2 hours. Great idea, stupid script, poor acting, incredibly dumb plot. This movie is the complete package. It has a load of paranoia by a bunch of government hating, gun toting, former military, bad acting, survivalists who sees an opportunity after a nuclear bomb hits Los Angelos and takes out the grid across the country. People flock out of the Los Angeles area running to the hills looking for someone who has food, water and shelter. Many camp out at the gates of a property in Colorado who just happens to have food, water, and shelter but won’t let them in. This is where the movie remains.

The worst part of the movie is when the wife of the property owner ends the show with having faith in god to bring peace and love and joy and more food, water, and a fuckin TV show once in a while. OMG it is so corny. God will fix it all just like he fixed Los Angeles, just prior to being blown off the goddamn map.

It’s an incredibly stupid movie but has an after credit that is not worth watching because this is the beginning of a series. One of the gun toting, government hating, bad acting, survivalists asks that you scan a QR code on the scree to view the 1st episode of the new series.

Just don’t do it. This is just a stupid ass movie.


The cost of price gouging after a weather event. Bags of ice. Gasoline. Roof repairs.

December 19, 2024

And you wonder why your insurance premiums are so high?

I filed a claim for roof damage after Hurricane Ike in 2008. I received about $5000 from USAA, my insurance company at the time. Bids for the roof replacement ranged from $10,000-$16,000. At the time I did not have the extra funds to pay for the roof and since there was no leaks I put the repairs off for 2 years.

In 2010 I had my roof replaced for $4800. One of the companies that quoted over $10,000 in 2008 provided a quote of $6800 in 2010. At the time I knew the Commissioner of the Texas Department of Insurance and mentioned the price gouging after a hearing in Austin. Soon afterward he left the Commission and I ended my consumer activism.

So here we are in 2024 and I filed a claim for hail damage. Eventually I had my roof replaced for a cost that was listed at $24,000 about 5 times what I paid in 2010 just 14 years ago. I’ve heard from others in my subdivision whose estimates were even higher, $32,000 for one homeowner. What is disturbing is that the insurance companies are paying these inflated prices. It’s a win-win for the roofer and the insurance company who can simply pass the inflated cost to consumers in higher premiums. Everyone is happy except for the consumer.

Last year Harris County Attorney filed a number of suits resulting in settlements for price gouging of gasoline. According to Houston Public Media:

The Bellaire location allegedly sold regular unleaded gasoline for $3.79 and $4.29 per gallon, an increase of 25% and 41% respectively from the gas station’s pre-hurricane price of $3.03. The Baytown location was allegedly selling premium gasoline for $5.49 per gallon, which is 44% higher than the gas station’s pre-hurricane price of $3.80.

Price gouging after an event like a hurricane is illegal. Raising the cost of a gallon of gas by 40 cents can be considered price gouging and could be investigated by the County Attorney. Charging 2 to 4 times the regular price for a roof should be considered price gouging.

I’ve asked the County Attorney to investigate.


HCDE drops censure of Trustee Dick for a $40,000 donation

December 19, 2024

This is pretty damn strange.

So last month the Harris County Department of Education Board unanimously approved to censure Trustee Eric Dick for lapses in ethical conduct including refusing to pay $40,000 in fines to the Texas Ethics Commission, refusing to honor a subpoena, providing false information to the TEC, providing false information under oath along other things stemming from an ethics complaint filed in 2019. You can read the detailed results of that investigation here.

A month later they reversed course and in lieu of censure Eric Dick promises to donate $40,000 to the educational foundation of Harris County Department of Education “to be used for the CASE debates program for future lawyers.”. Elizabeth Sander of the Houston Chronicle wrote a detailed article about Dick’s ethical problems with the Texas Ethics Commission, the Harris County and Galveston County courts, and for possibly illegally soliciting clients affected by the Maui wildfires. The proposed censure was based only on his conduct concerning the Texas Ethics Commission. According to the article:

“In lieu of a censure, the Harris County Department of Education accepted a $40,000 donation,” Cobarruvias said. “But he still owes the taxpayers and the Ethics Commission $40,000.”

I highly recommend that HCDE cash his check as soon as possible.


Texas Homeowners Left Behind: The Insurance Crisis

December 18, 2024

This should really piss you off.

Sixteen years ago States along the coast began implementing a plan called Fortified, including Alabama. According to an article written by Megan Kimble of the Houston Chronicle: “Alabama offers $10,000 grants to homeowners to upgrade their roofs – and requires insurers to give discounts of 25% to 55% to those who do”. That program started 16 years ago!! What the hell did elected officials in Texas do?

Nothing. Not a goddamn thing and now we are paying for it. Literally. We are now in crisis mode with premiums out the roof, excessive deductibles, and companies threatening to leave the Sate. In the upcoming legislative session bills will be filed to protect the insurance industry at our expense. While other States were actively working to lower the risk our elected officials did nothing to protect our homes. This article is another in her series concerning home insurance. It’s a VERY good read. I should be available to read here. It might make you mad. Let me summarize:

  • While other states on the coast, like Alabama, took action 15 years ago to reduce the risk to homeowners, Texas did nothing, at all, except pass the cost of the risk to consumers.
  • Other states give incentives to homeowners to “fortify” their homes and requires reduced insurance premiums.
  • A bill has been filed in Texas to create a program similar to Alabama’s “Fortified” but does NOT require a reduction in premiums
  • Of the country’s 70,000 Fortified homes, only 200 are in Texas and half of those were built by Habitat for Humanity.
  • While Texas officials were busy cutting regulations and chasing social issues we were left to find our own insurance solutions.
  • I love this quote “Home builders along the coast say they already follow stringent building standards and don’t need more.”
  • “In coastal Alabama and North Carolina – both states that incentivize Fortified standards – researchers say homes certified through the program have shown a 20% reduction in losses compared to non-Fortified homes.”
  • Alabama offers $10,000 grants to homeowners to upgrade their roofs – and requires insurers to give discounts of 25% to 55% to those who do. That program started 16 years ago!!

So take some time to read the article then make plans to attend our next meeting.


The Rising Cost of Insurance. CCISD

December 16, 2024

This isn’t right.

As said before the rising cost of property insurance is affecting everyone in the Bay Area, including taxpayers. According to an open records request CCISD’s property insurance doubled in just five years from 2019-2024. In 2019 CCISD’s property and flood was $3.3M. In 2024 it was $6.6M. This is not solely due to inflation. There is much more to this increase than inflation.

Everyone is paying for the rising cost of insurance including homeowners, businesses, government entities and taxpayers. Come join us next year to have a discussion with elected officials.


Houston Mayor John Whitmire. At 75 there is still time to grow up

December 14, 2024

As a supporter of Whitmire for Houston Mayor it is very disturbing that instead of working across the aisle and bringing the city together he has opted to act much like out going District Attorney Kim Ogg, petty, childish, and unprofessional.

Whitmire has had an ongoing feud with Judge Lina Hidalgo. I am sure, based upon Hidalgo’s past, she has some fault to this toxic relationship but this latest stupidity is all on Whitmire. During an interview with the Houston Chronicle he stated:

“She’s fixing to announce that she’s not going to run,” Whitmire told The Chronicle. “She’s not enjoying her work. And she’s happy now. I saw on social media she got back this weekend from her wedding destination,” “But let me tell you what, this is a tough job at any level. You definitely lose your privacy. She’s obviously documented some of her emotional issues, which, this is a terrible profession to be in if you’re struggling with pressure.”  

None of that is true. Much like a high school freshman on the cheerleading squad of the Jr varsity football team Whitmire can’t seem to miss an opportunity to spread unfounded rumors or spread gossip whether it is against Hidalgo or Controller Hollins. Seriously dude, it is time to learn when to keep your fuckin mouth shut and grow up. You are a grown ass man for fuck sakes.

You only have 3 years left in office. Grow up and focus on more important things such as picking up our trash on time. For once.


The Texas Fair Plan, another last resort

December 10, 2024

Homeowners in the Clear Lake area should take some time to read the article by the Houston Chronicle, “Home insurance costs are soaring. Here’s what to know about the Texas Fair Plan Association“. TFPA might be providing your insurance in the near future.

In 1971 Texas created the Texas Windstorm Insurance Association (TWIA). It was advertised as the insurance of last resort covering those in the coastal areas who could not find insurance from the private sector. In 1995 Texas created the Texas Fair Plan Association (TFPA). It was advertised as the insurance of last resort covering those in the under served areas who could not find insurance from the private sector. Sound familiar?

Up until 2003 TWIA was providing service to a small number of property owners. Now it isn’t the last resort. It’s almost the only resort. Private insurance companies have fled the coastal areas leaving most owners to seek coverage from TWIA. I have little knowledge of TWIA, except that they are a non-profit organization and sell policies just like the private sector. TWIA issues detailed yearly assessments of their policies and financial situation. They are transparent to the public. When they ask for a 10% increase in rates they can prove it with data, data that is publicly available.

When did you ever see your insurance company justify their 25% increase or the reason why they will not renew your policy? As with TWIA I know little about the Texas Fair Plan except that they are managed by TWIA and like TWIA they are the insurance of last resort. They are also transparent and a non-profit. I think homeowners in the Clear Lake area should read the articles about the TFPA because it may become the last resort. 5 of the 6 largest insurance companies in Texas that make up the Texans for Affordable Insurance Solutions (TCAIS) will no longer write policies in the Clear Lake area.

Maybe it is time for all insurance companies to leave the state and let the non-profits provide service.


Bay Area Houston

Hard hitting political commentary always full of wit in Houston Texas.

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