Three years ago with Gov. Perry, then Texas Department of Insurance (TDI) Commissioner Jose Montemayor, and legislators "looking the other way," lax insurance legislation permitted the industry to double the premiums paid by Texas homeowners.

At that time and during the previous several years the insurance industry had been experiencing a "hard market" and was losing revenue, we were told it was due to excessive claims due to

As in many previous years of "hard markets" the insurance industry elected to act on the problem without waiting any longer for government interaction on its behalf.