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Without the ability to price their products according to risk, insurers may be forced out of business altogether when a major storm or catastrophe occurs...As policymakers review the Texas homeowners’ insurance market, they should keep in mind that Texas insurers and Texas consumers are the proper parties to determine homeowners’ and windstorm insurance rates. Markets, not governments, will ultimately find the proper balance.

Drew Thornley,
policy analyst,
Texas Public Policy Foundation
(March 31, 2008)

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