Bay Area Houston

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 til 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 after the holidays.

Spread the word

Thank you for staying engaged. As of today we have almost 700 individuals who have signed up for for our newsletter. I am now expanding this activity to statewide. Please spread the word and invite your friends to join this list at tinyurl.com/BayAreaHouston. Also you can post this information on your social media platforms including Facebook and Nextdoor. 

Thank you for your interest in this issue!

Video and Handouts from our 1st Community meeting

Here is a great summary video provided by Texas Watch. 3 minutes https://www.youtube.com/watch?v=LkdozpsekjI

Here is a video of the complete meeting. About 1.5 hours https://www.youtube.com/watch?v=AGOWuMEj5o8

Here is the presentation by Ware Wendall of Texas Watch, Property Insurance. Paying More for Less.  https://www.dropbox.com/scl/fi/id7g4tgq2m1ghdxgids7f/Property-Insurance_Paying-More-for-Less_Texas-Watch_Seabrook_June-2024.pdf?rlkey=mrl3p4vvggqa6w6vxvln07yh4&st=c0835w7x&dl=0

Here is my presentation, History of Insurance Reform. https://www.dropbox.com/scl/fi/y55gpoaj31srmzko5xwof/Insurance-presentation.pdf?rlkey=czkomo60pcwpj8euy0n9z26j5&st=cwsnje32&dl=0

If there is a guide on “How to lobby elected officials” I have not found it. So I will give you an idea of what we could do just based upon my experience as a consumer activist years ago. I don’t expect to know it all so if you have ideas, I am all ears.

1. Be focused. Stay on message. For the insurance issue the message should be very clear: We want our premiums to be lowered, our deductibles to return to a fixed amount not more than $1000, and we do NOT want a deduction in coverage.
2. Develop a relationship to your elected official or their staff. Call your elected official in Austin and ask for the staff member assigned to insurance issues. Ask for an email address. Then keep in touch. Make sure you send them any information you think is important to the issue. For our area contact Greg Bentch at greg.bentch@house.texas.gov with State Representative Dennis Paul and Matt Patterson at matt.patterson@senate.texas.gov with Senator Mayes Middleton’s office.
3. Contact the members of the specific committee that will hear the bill(s) you are concerned about. The insurance bills in the House will most probably be assigned to the State Affairs Committee. The Chair lives in the Corpus Christi area and has an interest in this issue. I have collected the contact information for the members. I have listed them below. Again, contact each one with your specific information. If you can, call and email them.
4. Visit your elected officials office. Make an appointment in the district. Talk with someone about your insurance issue. Dennis Paul’s office is at 17225 El Camino Real Blvd Suite 415 (281) 488-8900. Senator Middleton’s office is at 174 Calder Road Suite 900 League City, TX 77573 (281) 332-1000
5. Spend a day in Austin. What I have done in the past was to make appointments with the staff members of the elected officials on the committee. The State Affairs Committee has 13 members. If you spend 15 minutes with each you might talk to all of them in 1 full day. That is a tough day. When you visit make sure you have a written copy of what you intend to talk about. Keep it to the point. Make sure they hear and understand our message.
6. Attend a hearing. This will be covered in a later email.

So. You can start now. Here are some important contacts:

State Representative Dennis Paul
Insurance Committee
C/O Greg Bench
greg.bentch@house.texas.gov
(512) 463-0734 Austin phone
17225 El Camino Real Blvd Suite 415 
(281) 488-8900. 

Senator Mayes Middleton
Business and Commerce Committee
C/O Matt Patterson
(512) 463-0111 Austin Phone
174 Calder Road Suite 900 
League City, TX 77573 
(281) 332-1000

You can find the contact info for members of the State Affairs Committee here. They will be hearing the bills.

I am working on the Business and Commerce Committee.

The Rising Cost of our Home Insurance

From 1995 to 2010 I was a self proclaimed consumer activist focusing on helping new homeowners with construction defects. I spent many days in Austin talking with our elected officials, attending hearings, and advocating for homeowners. I have come out of “retirement” to address another problem affecting homeowners, business owners, realtors, insurance agents, and taxpayers; the rising cost of insurance.

I have lived in Bay Knoll for over 35 years and have witnessed massive insurance reforms in 2003 and the affects on our community. If you have recently renewed your insurance policy it is clear these reforms did not work. The insurance industry has millions of dollars to spend lobbying our elected officials. They are blaming everything on inflation, cost of goods, supply chain, and lawsuits. These have contributed to the rise in insurance but it hasn’t contributed to premiums doubling and deductibles going through the roof. There is much more to this issue and personally I am just tired of the excuses. I want solutions.

If you are concerned about this issue I ask that you join my newsletter and keep informed of how you can participation. I am currently working on a meeting with our elected officials. State Representative Dennis Paul sits on the Insurance Committee and our Senator Mayes Middleton sits on the Business and Commerce Committee. Both of these committees will be addressing this issue in 2005.

Join us to find solutions to this problem. Sign up at  www.tinyurl.com/BayAreaHouston.

Megan Kimble of the Austin division of the Houston Chronicle is working on an investigative report on the insurance crisis in Texas. She would like to talk to home and business owners in the Bay Area. This is a GREAT opportunity to put pressure on our elected officials to do something to resolve this problem. She wrote:

“It’d be great if you might share my contact information with your listserv. I’m interested to talk to homeowners who have seen their home insurance premiums increase significantly, as well as those who have opted to drop coverage altogether because of the cost. Anyone who is interested to speak with me can reach out directly.”

Megan Kimble
Texas Political Economy Reporter
512.298.2385 (cell)
megan.kimble@houstonchronicle.com

Spread the word
As of today we have about 600 individuals who have signed up for my newsletter addressing the rising cost of home insurance. Please spread the word and invited your friends to join the list at tinyurl.com/BayAreaHouston. Also you can post this information on your social media platforms including Facebook and Nextdoor.

How can you help? Forward the link to sign up for updates and recruit your friends and neighbors. The link is: www.tinyurl.com/BayAreaHouston.

Thank you for your interest in this issue!

John Cobarruvias
john.cobarruvias@gmail.com
281-536-2457

They are NOT our friends.

In 2002 the top insurance companies in Texas formed the Texas Coalition for Affordable Insurance Solutions (TCAIS) in preparation for massive insurance reform in the 2003 legislature session. They are not registered with the Texas Ethics Commission so we cannot see how much money these companies have poured into this organization. In 2003 they successfully lobbied against consumers resulting in major changes to insurance laws. Twenty years later the insurance industry is in disarray with consumers paying the price. Now they are at it again.

TCAIS is composed of 6 of the largest insurance companies in Texas, Allstate, Farmers, Farmers Bureau, USAA, Nationwide, and State Farm. Of these only USAA will offer policies in the Bay Area and their rates are ridiculous. USAA quoted me $15,000/year with a $13,000 deductible. The others would not offer a policy.

TCAIS is lobbying our elected officials already. They have been invited to speak at every insurance meeting to date. Floyd Beaman, their spokesman, was recently on KPRC making excuses for the insurance industry and telling us to “shop around” as if that was some kind of new thing to do. In a hearing last month they used the word “unsustainable” something we have been saying for 10 years now.

So if you want to have any say in how insurance will be reformed you need to contact the State Affairs Committee and demand reforms that will lower your premiums and set deductibles at a reasonable rate. You can do that here.

From KPRC Houston:

Consumer advocate John Cobarruvias urges people impacted by rising claims, non-renewals, or other issues to submit comments to state legislators.

“This is your opportunity to make something happen in our favor,” Cobarruvias said. “Our premiums are too high. Our deductibles are out the roof. And this is not sustainable. We’ve got to do something.”

KPRC interviewed Floyd Beaman. He is a lobbyist for Texas Coalition for Affordable Insurance Solutions. They are composed of 6 of the largest insurance companies in Texas, USAA, Farmers, Farmers Bureau, Nationwide, Allstate, and State Farm. Of those only USAA will write policies in the Bay Area. The insurance companies see blood in the water and will lobby heavily to make it easier for them to make money and charge you more.

So what can you do?
Either stand up and speak out, or sit down and shut the hell up. The first hearing will be by the State Affairs Committee on Sept 17, 2024. Details on how you can participate in person or by sending comments can be found here. You can send your comments electronically at this link: https://comments.house.texas.gov/home?c=c450 Fill out the top form then scroll down and select “Economic challenges impacting insurance premiums”.

Here are some tips on what you should include in your comments:

• The area of the state you live in such as coastal counties
• What you are currently paying for insurance
• The costs of any new policies or bids
• Your Deductibles in dollars
• Any claims you have had
• Cost of repairs
• If your current company will not renew your policy
• Keep it short and with a statement of “Our premiums are too high. Our deductible are out the roof. This is not sustainable”.
• Stay non confrontational. Refrain from “I’m going to vote you out if you don’t do something” type of comments
• Demand that they take action

Thank you for your interest in this issue! Please invite others to join us in address this situation. They can join our newsletter attinyurl.com/BayAreaHouston