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‘It’s really putting a pinch on homebuyers’: Progressive stops offering homeowners new insurance policies in Texas

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‘It’s really putting a pinch on homebuyers’: Progressive stops offering homeowners new insurance policies in Texas


HOUSTON – It’s a move that seems to benefit the insurance giant, but the realtor who spoke to KPRC 2′s Deven Clarke expects it to have a major impact on the local buyers’ market.

“Homeowners insurance is, I mean, one of the most important things because if anything happens you want to make sure your home is insured,” said Cathy Treviño, the immediate past chair for the Houston Association of Realtors.

She also emphasized that homeowner’s insurance is mandatory for buyers who take out a mortgage.

“What I understand is progressive was one of the top ten largest real estate companies in Texas,” Treviño said.

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Now Progressive no longer offers the option for new policies for home insurance in the state.

“In Texas, you’re starting to see more and more, you know, stronger natural disasters and so you’re seeing, unfortunately, providers pull out,” Treviño said.

In a report, filed with the securities and exchange commission or (sec), Progressive’s CEO, Tricia Griffith’s letter to shareholders partly reads, “Reducing the impact from weather-related volatility is strategically important and shifting our geographic mix continues to be a top priority,”

It goes on to say, “We continue to focus on growing in states where weather risk is relatively lower, while maintaining or reducing our market share in higher volatile states that are more susceptible to catastrophic weather events and have higher exposure to hail.”

“Tornadoes we’re seeing wildfires, hurricanes, hail, all of these things have a large factor into insurance companies and because we’re seeing more and more of it, they’re paying a lot more out,” Treviño said. “It’s really putting a pinch on homebuyers.”

It doesn’t appear Progressive’s move affects homeowners who already have homeowners’ insurance with them, but Treviño says she’s already seen homeowners’ insurance renewal rates increase between about 10-23 percent across the board. A trend she expects will continue to ramp up in our state.

Copyright 2024 by KPRC Click2Houston – All rights reserved.

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Should States Like Texas Be Allowed to Grade Their Own Highway Homework? — Streetsblog USA

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Should States Like Texas Be Allowed to Grade Their Own Highway Homework? — Streetsblog USA


In late October, protestors in Houston watched as officials wheeled a trough out into the middle of St. Emanuel Street and each scooped out a ceremonial shovelful of sand.

The officials were ostensibly there for a symbolic groundbreaking for the North Houston Highway Improvement Project, which will widen or rebuild around 25 miles of Interstate 45 in the heart of Texas’s largest city. For the protesters, though, the bulldozers that loomed in the background of that photo-op were a very real threat of the harm soon to come to St. Emanuel Street, and the estimated 1,079 homes, 344 businesses, five places of worship and two schools that will be razed to make way for the highway.

“Half of that street is going to be gone,” added Erin Eriksen, an organizer with Stop TxDOT I-45. “Half of those businesses are going to be torn down. And TxDOT was basically thumbing its nose at these places that were going to be destroyed because of this project.”

According to official analyses, though, the destruction of St. Emanuel Street and so many like it isn’t enough of an “environmental impact” to justify canceling the I-45 project, even though it will dramatically exacerbate pollution, flooding, and inequality in the disproportionately low income communities of color through which the expansion will largely run.

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And that’s probably because the Texas Department of Transportation wrote those official analyses itself.

‘A fox guarding a hen house”

Thanks to a little-known loophole in federal law known as the “NEPA assignment” program, DOTs from Texas and six other states — Alaska, Arizona, California, Florida, Ohio, and Utah — are temporarily “assigned” the responsibility of conducting what are normally federally overseen environmental assessments (the states must reapply every five years when their authority expires. Texas’s authority expires this year, and members of the Texas Streets Coalition are urging advocates to comment on whether it should be rescinded before Dec. 9.)

In theory, NEPA assignment is supposed to help responsible state DOTs build projects quickly, without having to wait on a single understaffed federal agency to work through a backlog of proposals from across the country before giving the green light on simple repaving or repair. Some argue that it also gives environmentally progressive states an opportunity to conduct an even more thorough analysis than the feds would do on their own.

In car-dominated Texas, though, NEPA assignment is essentially a “fox-guarding-the-henhouse situation” — and its consequences shouldn’t be surprising to anyone, argues Heyden Black Walker of Reconnect Austin.

In Walker’s native Austin, for instance, advocates say that Texas DOT misleadingly “segmented” the expansion of a single intestate known as I-35 into three smaller projects along the exactly same road, hiding the staggering impacts the expansion would have for the region on the whole — and, advocates say, violating federal law. Walker says the “9,000 pages” of official documents about the project also didn’t adequately consider the highway’s impacts on air pollution, and failed to study whether railway investments could address the same problems the expansion was meant to solve.

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That the I-35 expansion received even that degree of scrutiny, though, is something of an outlier.

Texas activists found that between 2015 and 2022, only six TxDOT projects receive a full-blown “environmental impact statement,” an exhaustive process that details exactly how the agency will mitigate the harm it will cause. A staggering 130 projects, by comparison, only received a far-simpler “environmental assessment,” all of which resulted in a “finding of no significant impact,” or FONSI, which is pronounced like the shark-jumping character on “Happy Days.”

Cumulatively, though, those “insignificant” projects displaced a stunning total of 477 homes and 376 businesses, and consumed $24 billion. And advocates say that lack of oversight is particularly damning for a state that would rank eighth in the world for carbon dioxide emissions if it were a country, and that polluted nearly twice as much as second-ranked California in 2019.

“The things that NEPA was intended to protect us from — from inordinate displacement, from worse air quality — Texas is failing on all of those metrics,” said Peter Eccles, director of policy and planning at LINK Houston, a transportation advocacy group. “Since TxDOT entered NEPA assignment in 2014, displacements have skyrocketed across Texas, dwarfing the national average in terms of how many households are displaced for freeway projects, as well as the number of counties that are no longer in attainment for criteria pollutants. … It’s not working as intended.”

Highway-related displacements have skyrocketed in Texas compared to the national average since the state was issued a memorandum of understanding (MOU) granting it authority to conduct its now environmental assessments. Graphic: Texas Transportation Coalition.

If the federal government was conducting the NEPA process, advocates argue that Texas might face stricter parameters for what constitutes a “significant” impact of a highway project, rather than letting the state write off families losing their homes and residents getting sick as unfortunate but necessary evils. And maybe, bad projects might even be stopped before they start.

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“TxDOT is setting up its own environmental reviews, setting its own parameters, and then self-grading its own performance by the parameters that it sets,” said Bobby Levinski, an attorney with the Save Our Springs Alliance. “And we don’t have that federal oversight that used to exist where, if you did have a disagreement over what the current state of the science is, [you might have] a technical expert at the federal level who could say, ‘No, you didn’t quite do a good enough job looking at, say, this air quality aspect.’

“That check no longer exists,” he continued. “And at the end of the day, they’re going to give themselves an ‘A.’”

NEPA Assignment Under Trump

Levinski and the rest of the coalition acknowledge that some might be wary of handing environmental power back to the federal government — especially with Trump returning to the White House.

Project 2025, which many believe will serve as the incoming president’s playbook, promises to restore regulations limiting environmental review that Trump put in place the last time he was in office, as well as “frame the new regulations to limit the scope for judicial review of agency NEPA analysis and judicial remedies.”

Advocates in Texas, though, say they’re already living in a world where NEPA has been badly watered down — and because of their state’s special authority, Washington was powerless to intervene. Restoring federal oversight, they argue, is a critical first step to making things right, followed by voting in a presidential administration that takes NEPA seriously.

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“Here in Texas, we’ve been facing basically a mini-Trump administration, anyway, with our governor,” said Katy Atkiss, facilitator for the Texas Streets Coalition, referring to Gov. Greg Abbott. “He appoints the Texas Transportation Commission, which is basically five old white men — none with transportation experience. So I feel like we’ve been working in a similar environment anyway. We’ve had several conversations with DOT and other federal representatives throughout the course of of the year, and while they are extremely sympathetic, basically, they said, ‘We believe you, but there’s nothing we can do.’”

Until Texas’s NEPA assignment is revoked, all advocates can do is sue to stop bad projects — though with the president picking many of the judges, that’s an increasingly bleak prospect, too.

“With Trump being in office, the courts aren’t getting easier either,” added Levinski. “[And] making the public be the enforcer of NEPA, I think, puts a big onus on the residents of Texas to go up against the giant Goliath that is TxDOT on every single case. … We need some sort of measure of oversight. You can’t just write off the entire state of Texas.”

The members of the Texas Streets coalition acknowledge that getting their state’s NEPA assignment revoked won’t be easy — and if it can’t be done, they hope USDOT will at least make some common-sense changes.

The state might still be allowed do its own environmental assessments, but not on massive highway projects that displace hundreds of residents. The feds also might force the DOT to wait at least 30 days to collect public comment after they make changes to their plans, or submit to “an annual NEPA compliance audit” to ensure they’re not flouting federal laws. At a minimum, they could acknowledge that granting states like Texas the ability to do their own environmental review even as they’re suing to hide their greenhouse gas emissions from the public seems like a pretty obvious flaw in the system.

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At the end of the day, though, advocates say we need to address the shortcomings of NEPA itself, which still doesn’t factor in the power of induced demand — and still offers all states too many opportunities to build destructive highways, even when the federal government is grading their projects.

“I think that NEPA assignment and its abuses by TxDOT are a symptom of the larger failings of NEPA as a whole,” added Eccles. “NEPA was very well intentioned at the time [it was written], but certain states like TxDOT have gotten very good at gaming it to rubber stamp projects that they want to do regardless. Contrast that with the NEPA burden that the Federal Transit Administration puts on transit projects; it’s much more rigorous, and it ends up slowing down those projects significantly. We need to have a clearer picture of what projects benefit the environment and which projects harm it.”



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Texas Democrats say they won't back down from school choice fight | Texas: The Issue Is

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Texas Democrats say they won't back down from school choice fight | Texas: The Issue Is


When the Texas Legislature gavels in a new session this January, we will see another round in the battle over school vouchers.

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Earlier this month, Texas Governor Greg Abbott held a news conference claiming victory on the issue. Abbott says he has the votes to pass vouchers, which has become one of his legislative priorities.

Abbott actively campaigned against rural Republicans who opposed his school voucher plan in the previous legislative session.

“There was a tidal wave of support for those House candidates that I supported,” the governor said. “We will ensure that every parent has the right to choose the school that is best for their child.”

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Gov. Abbott says he has 79 solid votes for school vouchers. A bill needs 76 votes to pass the Texas House.

Voucher opponents, like State Rep. James Talarico, D-Austin, are not giving up the fight.

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State Rep. James Talarico

Talarico talked with FOX 7’s Rudy Koski about the upcoming debate and if compromise on the issue is possible.

State Rep. James Talarico: “I think the fight to save public education will be the number one issue in the next legislative session. A majority of the counties in the State of Texas don’t have a single private school in them and the cost of the voucher doesn’t even cover the full cost of tuition at most private schools in Texas, so working class families, like the ones in my district, or my former students on the west side of San Antonio, they can’t take advantage of this voucher scam, and so instead the vast majority of the money will end up going to wealthy families who are already sending their kids to private school.”

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Rudy Koski: “The governor has spent the last several months doing what some would describe as a revenge tour, going after rural Republicans who were part of this pro-education, bipartisan blocking coalition. They are gone. You have lost them. He says he has the numbers. Are you throwing up the white flag?”

Rep. Talarico: “Not at all. We didn’t lose all of them, despite the onslaught of big money and big lies into these Republican districts you still had pro-public education Republican legislators survive and are coming back to the Capitol this session. I’m thinking about Drew Darby and Stan Lambert and Gary VanDeever, despite the victories that the governor may have scored in this election cycle, this should not be mistaken for a mandate on private school voucher scams. The governor didn’t campaign on vouchers. The majority of Texans, according to the latest polling, reject private school voucher scams.”

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Rudy Koski: “Is there ground for compromise in this debate?”

Rep. Talarico: “I think a voucher is bad public policy no matter how you cut it. I will never support a voucher scam, but if my colleagues in the House, Republicans and Democrats, if we can all agree that we need to fully fund our neighborhood public schools, then I will work with anyone to make that a reality.”

You can watch Texas: The Issue Is every Sunday night on TV and anytime on FOX LOCAL.

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North Texas enjoys warm, windy weather for Parade of Lights

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North Texas enjoys warm, windy weather for Parade of Lights


North Texas set for warm Sunday with cooler temps ahead

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North Texas set for warm Sunday with cooler temps ahead

03:06

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Strong winds and humid conditions will make for an unusually warm Sunday in North Texas.

High temperatures are expected to reach 80 degrees in some areas, which is about 15 degrees above normal for this time of year. This warm weather will make for a balmy atmosphere for the Parade of Lights in downtown Fort Worth tonight, starting at 6 p.m.

However, the warm stretch won’t last. A cold front is expected to hit Monday morning.

Morning temperatures on Monday will start near what is typically a daytime high, similar to today. But as the cold front moves in, gusty winds from the north will cause temperatures to drop to the upper 50s by late afternoon – the first of two cold fronts expected this week.

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So far, November has been remarkably warm, currently ranking as the fifth warmest on record from 1899 to the present. However, it won’t end that way.

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The cold front arriving on Thanksgiving will drop temperatures down enough to require winter coats.

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North Texas is anticipating a widespread freeze by Friday morning, with the Dallas-Fort Worth area forecasted to stay just above freezing during what is expected to be the coldest morning of the season. A First Alert Weather Day has been issued in preparation for the cold weather.

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