Regulatory actions resulting in policyholder savings

• Regulating the Texas Homeowners Insurance Market
• Homeowners Insurance in Texas: By the Numbers
• Understanding Rates vs. Premiums
• The Law Governing Homeowners Insurance Rates
• The Rate Regulation Process
• Brief History of Texas Homeowners Market, 1993-Present
• Homeowners Insurance in Texas Compared to Other States
• Exhibits

(by contested rate cases, negotiated rate reductions, or withdrawn rate filings)

2003: SB 14 mandated rate reductions ~ $510 million (not fully realized as major carrier challenged order)

2004 - 2008: ~$289 million

2009: ordered major carrier to refund $310 million (under appeal)

2010 YTD June: ~$38 million