Let us first discuss risk to commercial property in Texas as it relates to severe weather.  I am from Florida & have always grown up around Hurricanes.  So I have always focused my career research & experience surrounding Hurricane property claims.  There is a saying here, "Everything is Bigger in Texas,"  which certainly includes the cost of premiums to insure property.  Texas is hot spot for severe weather events.  Year in & year out, it is a huge risk for property insurers & owners.  The data is trending toward an increase in severe weather events each year.  It is a great state to live & the economic market is solid, but property insurance is expensive.  There are many reasons for it, but mainly because Texas has sustained more severe weather events than most states combined.  In...