The Heartland Institute: Free Market Solutions

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10 article(s) found. Displaying article(s) 1 - 10.

Texas Windstorm Insurance Association ‘Essentially Broke’

Matthew Glans

Finance, Insurance & Real Estate News / The Heartland Institute / October 01, 2009

Texas is a model of fiscal stability compared to most other states—with one glaring exception. The Lone Star State is one hurricane away from bankrupting ... (read more)

Research & Commentary: Texas Windstorm Insurance

Matthew Glans

Research & Commentary / The Heartland Institute / July 20, 2009

Texas is a model of fiscal stability compared to most other states—with one glaring exception. Texas is one hurricane away from bankrupting its state-run ... (read more)

TWIA Fix Too Little, Too Late, Too Impossible

Bud Schauerte

The Lone Star Report / The Lone Star Report / July 10, 2009

Rising expectations for operating improvements, and the promise of long term financial strength, rode with the Texas Windstorm Insurance Association (TWIA) ... (read more)

Principles for Reform of Catastrophic Natural Disaster Insurance

Matt A. Mayer, David C. John and James Jay Carafano, Ph.D.

The Heritage Foundation / Backgrounder #2256 / April 08, 2009

Along with the winds, rain, and storm surges of Hurricane Katrina came a cacophony of voices urging Congress to adopt a catastrophic hurricane fund (CAT ... (read more)

Research & Commentary: Windstorm Expansion of the National Flood Insurance Program

Matthew Glans

Research & Commentary / The Heartland Institute / April 07, 2009

In an effort to address the concerns of coastal residents and respond to political pressure to subsidize the risk posed by hurricanes, the national government ... (read more)

Don't Extend Insurance to Wind Damage

Matthew Glans

Grand Forks Herald / Grand Forks Herald / April 05, 2009

In an effort to address concerns of coastal residents and reduce their financial risk from hurricanes, the national government is debating an expansion ... (read more)

Shifting Risk Places Taxpayers at Risk

Matthew Glans

Letter to the Editor: St. Petersburg Times / The Heartland Institute / December 22, 2008

In a recent development in Florida’s chaotic property and casualty insurance market, more than 110,000 policies were moved through the state’s ... (read more)

A New Approach on Property and Casualty Insurance for the 21st Century

Matthew Glans

The Heartland Institute / June 26, 2008

Insurance is one of the key institutions that drives an economy. Without insurance to protect individuals from fraud and reduce financial risk, many of ... (read more)

Open the Market to Competition

Matthew Glans

Press-Register / Press-Register / November 05, 2008

Providing wind coverage in coastal areas is essentially a no-win situation for insurers, and as a result the majority of wind policies have shifted to state-run ... (read more)

National Catastrophe Insurance Program

Matthew Glans

Research & Commentary / The Heartland Institute / June 19, 2008

Concerned about affordable homeowners' coverage in coastal areas, the national government currently is considering proposals to expand the its role in coastal ... (read more)