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November 15, 2019


Title: Judges, Tort Reform, and Your Rights
Topic: Right to a Trial by Jury
Discussed by Ware Wendell
with Texas Watch (www.TexasWatch.org)


Part 1 of 3

Who should you listen to? The lawyers? Big Business? Big Insurance Companies? The Lobbyists for big business and the insurance companies?

Ware Wendell, with Texas Watch, has served as the Legislative Aide to a senior member of the Texas House and Chief of Staff in the Texas Senate, enabling him to work on legislation of statewide importance and giving him insights into the workings of the Texas Capitol.

Today, Ware discusses a survey  by the Baylor College of Law concerning Tort Reform and frivolous lawsuits. The main objective: Was Tort Reform really necessary?

Questions/Issues Discussed:

Has Texas long recognized the right to a trial by jury as one of our citizens’ most precious rights?

Who began the push for Tort Reform? Ware Wendell shares a brief history going back to 1971…

Have two home builders in Texas (David Weekly and Perry Homes) funded Tort Reform through financial donations to candidates for decades? Ware reveals how these two companies actually formed the Texas Residential Construction Commission to fight home owners’ claims against their construction companies…



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Title: Part 2 of 3 - Judges, Tort Reform, and Your Rights
Topic: Right to a Trial by Jury
Discussed by Ware Wendell
with Texas Watch (www.TexasWatch.org)

Questions/Issues Discussed:

Baylor College of Law is one of the top law schools in the country. The professors are well-known and respected. Ware Wendell is still discussing the survey they sent to Judges across the state.

Did responding judges say they are still seeing too many frivolous lawsuits? Or are they reporting the opposite?

Question for YOU: If you or a loved one was injured or died due to medical malpractice, what would you do? Step aside and let the doctor/insurance company get away with it? Or would you sue?

NOTE: Click here  for the Biblical view and history of this issue from Texas Watch.



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Title: Part 3 of 3 - Judges, Tort Reform, and Your Rights
Topic: Right to a Trial by Jury
Discussed by Ware Wendell
with Texas Watch (www.TexasWatch.org)

Questions/Issues Discussed:

Did judges respond that they have seen too many excessive verdicts? Or are they reporting the opposite?

Did the majority of judges surveyed reveal that they witnessed juries award too little to the plaintiff?

Bottom line: According to the judges surveyed, was Texas Tort Reform necessary?

Ware Wendell says this: “Our system is working. And frankly the Tort Reformers and the insurance companies are lying to us.”

What are your thoughts about this interview? Use the FEEDBACK LINK  on our homepage to let use know!



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May 7, 2019


Title: New Bill to Protect Your Rights
Topic: Deny, Delay, and Underpay!
Discussed by Ware Wendell
with Texas Watch (www.TexasWatch.org)

Insurers are destroying lives by denying and delaying legitimate claims. HB1739  would restore your rights, forcing your insurance company to fulfill the agreement they made with you when you signed your insurance policy.

Ware Wendell is the Executive Director of Texas Watch. He is dedicated to giving a voice to the need for public safety and full accountability through our civil justice system.

Questions/Issues Discussed:

Do insurance companies use delaying tactics to intentionally slow the payment of claims?

Is corporate responsibility just as important as personal responsibility?

Would Texas HB1739 restore rights of those insured?

Does HB1739 have strong bipartisan support?

Call your Representative today to urge a “for favor” vote on HB1739. The Austin Capital Switchboard phone number is: 512.463.4630.

You can also call Representative Walter Thomas “Four” Price, head of the calendar committee, at 512.463.0470 and urge him to push this bill through quickly for a vote.



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September 6, 2017


Title: Watch Out for the Insurance Adjusters!
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texas flood victims beware! Not only do you need to be careful of scammers during this difficult time, you need to be extra cautious about your own home, business, and car insurance company representative. Yes, as crazy as it sounds, they are NOT in business to help you, but to help themselves!

Alex Winslow, with Texas Watch, has some advice for every desperate home, business, and car owner today.

Questions/Issues Discussed:

Is rising water and falling water the same? Are they both covered under “normal” home or business insurance?

Why should people document everything?

Is having a timeline of events, phone calls, home visits, etc important?

Why do insurance adjusters deny, delay, and underpay?



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May 3, 2017


Title: Closing the Courthouse Doors
Topic: Republicans Push To Close Courthouse Doors
Discussed by Tori Sommerman
with Texas Watch (www.TexasWatch.org)

It is imperative that lawmakers know that Texans are against legislation that robs them of their Constitutional right to hold their insurer accountable. HB1774, known as the “Blue Tarp Bill”, is definitely NOT a bill which Texas home and business owners can afford to ignore.

Listen as Tori Sommerman, with Texas Watch, offers more details about HB1774.

Questions/Issues Discussed:

What is a Blue Tarp and why don’t property owners want one?

Is HB1774 pro-insurance and anti-property owner?

By delaying claims payouts, do insurance companies make more money?

Call the Texas Capitol Switchboard at (512) 463-4630 TODAY and urge your Elected Official to vote AGAINST HB1774, the Blue Tarp Bill. NOTE: This bill will be considered for a vote on THURSDAY, May 4th so call TODAY!

Or click here  to send an email directly to your Elected Representative.

Listen as Tori Sommerman offers some tips for when you call or email your Elected Representative.



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April 27, 2017


Title: Cheating Landlords Get a Pass
Topic: Texas Politics
Discussed by Tori Sommerman
with Texas Watch (www.TexasWatch.org)


Part 1 of 2

Politics 101: When you win and control the votes, reward your friends and punish your enemies. If it walks like a duck, quacks like a duck, and smells like duck, then it’s probably a duck.

Tori Sommerman, the Deputy Director of Texas Watch, is here today to discuss a SB873, which, unfortunately, just passed in the Texas Senate. Its sister bill, HB1964, has already passed the House Committee and needs your immediate attention.

Questions/Issues Discussed:

SB873 addresses an issue with landlords vs tenants. Listen as Tori Sommerman explains the bureaucratic maze which tenants will be required to navigate just to obtain their day in court if this bill is passed in the House.

Who will be affected by this bill?

How is the overcharge determined?

Are tenants currently able to utilize the local court system to challenge their landlords concerning this issue?

How many class action lawsuits have been filed over the past ten years?



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Title: Part 2 of 2 - Cheating Landlords Get a Pass
Topic: Texas Politics
Discussed by Tori Sommerman
with Texas Watch (www.TexasWatch.org)

Questions/Issues Discussed:

There are much more important issues that the Texas Legislature could be tackling instead of the one we are discussing today. However, isn’t the right to a Trial by Jury vital to the preservation of America?

What groups are advocating in favor of SB873 and HB1964?

Have these bills received bi-partisan support?

Can a tenant fight their landlord in their own community? Or, must the tenant present their case in Austin, no matter where they live?

BOTTOM LINE: Is this bill fair?

Call the Capitol Switchboard at 512.463.4630 and urge your Elected Representative to vote AGAINST HB1964.



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March 29, 2017


Title: Don’t be Deceived by Storm Chasers
Topic: Homeowner’s Rights
Discussed by Tori Sommerman
with Texas Watch (www.TexasWatch.org)


Part 1 of 2

Too many homeowners are taken advantage of by “storm chasers”.   Tori Sommerman is here to give some warning signs of scammers and explain the law in more detail.

Questions/Issues Discussed:

Should homeowners be leery of professional storm chasers?

What should a homeowner/property owner/vehicle owner do if they suffer storm damage?

What if the insurance adjuster is pushing for the homeowner to sign a contract quickly? Is this called “swoop and settle”?

Before signing any document with an insurance adjuster, should the homeowner have at least one quote from a qualified vendor, if not two?

Are lawyers or representatives of law firms allowed to go to door-to-door to solicit business after a storm – or any time?

There are two bills currently before the Texas legislature: SB10 and HB1774. What will they do to diminish the rights of property owners? Tori will continue discussing these bills and a plan of action in the next segment.



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Title: Part 2 of 2 - Don’t be Deceived by Storm Chasers
Topic: Homeowner’s Rights
Discussed by Tori Sommerman
with Texas Watch (www.TexasWatch.org)

Questions/Issues Discussed:

Has it been proven that insurance companies instruct their adjusters to delay, deny, and underpay insurance claims?

Have insurance adjusters also been given bonuses when they delay, deny, and underpay insurance claims?

Listen as Tori reviews what homeowners should do immediately after a natural disaster to ensure maximum payment from their insurance company.

Are some homeowners forced to take their insurance company to court due to continued claim denials?

Tori has labeled SB10 and HB1774Blue Tarp Laws”. What does this mean? What groups are pushing these bills? HINT: You can blame the insurance companies!

Click here  for more information about this issue and to send a pre-written letter to your representative.



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February 20, 2017


Title: Courthouse Doors Closed
Topic: Tort Reform and Limiting Liability
Discussed by Tori Sommerman
with Texas Watch (www.TexasWatch.org)

If you have ever considered suing your home or business insurance company, this is the segment to listen to! New guest, Tori Sommerman, has some answers and suggestions for you.

NOTE: Please do not construe any information discussed in this segment as legal advice. If you need assistance, please contact Texas Watch.

Questions/Issues Discussed:

Why would a home or business owner feel the need to sue their insurance company? Is the homeowner just greedy? Or is the insurance company oftentimes being unfair?

Is it wrong for the insured to want a fair settlement for damage to their property?

Do insurance companies often deny and delay the insured in hopes they will simply “go away”? NOTE: This is how they make their money! Listen as Tori Sommerman reveals another sneaky way insurance companies make money off you!

Several Republicans have filed bills that would make it much more difficult for property owners to file a claim when their property has been damaged. Are these bills necessary?

Were organizations like Texans for Lawsuit Reform established by consumers and activist groups looking out for little guy? Or, where they started by Big Businesses for Big Businesses?



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July 13, 2016


Title: UPDATE: Bait and Gotcha Proposal from the Texas Farm Bureau Insurance
Topic: Forced Arbitration
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

On June 27, 2016, we learned from Alex Winslow with Texas Watch about the sneaky “bait and gotcha proposal” being pushed Texas Farm Bureau Insurance. Alex states: “Anyone who has insured property has reason to be opposed to this. As soon as this camel’s nose gets into the tent, it will go everywhere.” It will not stop with homeowners; it will soon spread to car and business owners.

Listen in as Alex gives an UPDATE on this serious issue facing all Texas homeowners.

Questions/Issues Discussed:

First, Alex reviews some of the known tactics which insurance companies use when a person files a claim for their home. He even reveals information from internal documents which prove their deceptive practices. Listen in!

If the insured demands to be made whole, insurance companies often counter with: “Sue us. We have more money for attorneys than you do.” What is a homeowner to do in this situation?

The proposal by the Texas Farm Bureau Insurance encourages the insured to give up their 7th Amendment right for pennies a day to a trial by jury for a rigged, mandatory arbitration system. Translation: Homeowners would NEVER be allowed to take their case to court, even if they do not like the offer in arbitration. What they offer is what you get. This does not sound fair. What should homeowners do now to stop this?



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June 27, 2016


Title: Forced Arbitration
Topic: Forced Arbitration
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)


Part 1 of 2

Forced Arbitration would be terrible for consumers.  In this proposed change, the arbitrator would be bias because they would be picked and paid for by the industry.  How is that fair?

Alex Winslow is the Executive Director of Texas Watch.  He joins us today for two segments to explain in more detail how forced arbitration would affect consumers.

Questions/Issues Discussed:

Insurance companies too often delay and deny claims.  Then they use the trick of offering an underpayment, a low-ball amount just to see if it will be accepted.  Why?  What can home owners do to fight them?

Texas Farm Bureau Insurance is pushing the Insurance Commissioner for approval to add pre-dispute arbitration to its home insurance policies.  Would this be binding forced arbitration?  Alex explains: “Yes. And this is an attack on our 7th Amendment Rights.”  The results will be devastating for all home owners if approved by one, unelected bureaucrat.

The Texas Legislature rejected SB 1628, which would have allowed this forced binding arbitration.  Listen in as Alex Winslow reveals the TFB’s conniving attempts to convince an executive agency to allow this grossly unfair practice.

If the Texas Farm Bureau gets their way, will other insurance companies be clamoring for the same bottom-line binding forced arbitration clauses in all their policies?



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Title: Part 2 of 2 - Forced Arbitration
Topic: Forced Arbitration
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Who picks the arbitrator/mediator?  Who pays the arbitrator/mediator?  HINT: The Texas Farm Bureau would! Let this be perfectly clear: that arbitrator/mediator is not going to make decisions against the company paying their bills! “There is an inherent bias against individual policy holders in this case,” Alex Winslow states.

Alex also discusses the reason behind our Founding Father’s desire for the people to have a trial by jury. I don’t believe that Washington and Jefferson would be too happy with the current actions of the Texas Farm Bureau.

What reason, or reasons, is the Texas Farm Bureau using to push for binding forced arbitration? Doesn’t Texas already have laws and penalties against attorneys who file frivolous lawsuits? “This isn’t about insurance companies being treated wrongly,” Alex says. “It’s about insurance companies wanting to keep more of your money in their pockets.

How do insurance companies make the bulk of their money?

The Texas Department of Insurance is holding a rare public hearing on this issue on July 6th. Click here  for all the details.



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April 28, 2016


Title: What to do After the Flood?
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texas flood victims beware! Not only do you need to be careful of scammers during this difficult time, you need to be extra cautious about your own home and car insurance company representative. Yes, as crazy as it sounds, they are NOT in business to help you, but to help THEMSELVES!

Alex Winslow, with Texas Watch, explains that there is a major difference “falling water” and “rising water”. Years ago, individual home insurance companies stopped covering damage due to “rising water” (aka flood water) but not “falling water”. “That’s why it is so important that folks who live in flood-prone areas buy a supplemental flood insurance policy,” Alex states.

If you have any type of damage, Alex suggests documenting ALL expenses, including hotel and food costs – even how much you spend at the laundromat to wash your clothes! “In addition, you want to keep a record of all your interactions with your insurance company,” Alex says. He recommends keeping a notebook with all the phone calls you’ve made and who you talked with, keep all email correspondence, and record when the adjuster comes to view the damaged property. Listen in as he gives more advice on this.

Another thing to remember is that there are timelines that must be followed – by you and the insurance company. “Most insurance claims are handled promptly and fairly and everybody’s happy at the end of the day,” Alex says. “But there is a significant rise in the number of claims where people aren’t being treated properly.”

Don’t let anyone take advantage of your vulnerability. Your insurance company will do everything in their power to delay, delay, delay your claim. Don’t let them do that! A great tragedy has occurred in your life and you deserve to be treated fairly, with dignity and respect. If you feel as if you are being treated poorly, do not hesitate to hire a licensed public adjuster or lawyer who specializes in insurance claims disputes.

Know the facts now. Even if your insurance company isn’t trying to delay payment, they will attempt to underpay you. “We see this way too often,” Alex says. “This is a tactic insurance company’s use, because it is put in writing.” Plus, the insurance company knows that the longer they low-ball you as you fight back, the longer they can delay paying you what you deserve!

Share this segment with your contact list, especially those who have had damage.



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April 22, 2016


Title: What to do After the Flood?
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texas flood victims beware! Not only do you need to be careful of scammers during this difficult time, you need to be extra cautious about your own home and car insurance company representative. Yes, as crazy as it sounds, they are NOT in business to help you, but to help THEMSELVES!

Alex Winslow, with Texas Watch, explains that there is a major difference “falling water” and “rising water”. Years ago, individual home insurance companies stopped covering damage due to “rising water” (aka flood water) but not “falling water”. “That’s why it is so important that folks who live in flood-prone areas buy a supplemental flood insurance policy,” Alex states.

If you have any type of damage, Alex suggests documenting ALL expenses, including hotel and food costs – even how much you spend at the laundromat to wash your clothes! “In addition, you want to keep a record of all your interactions with your insurance company,” Alex says. He recommends keeping a notebook with all the phone calls you’ve made and who you talked with, keep all email correspondence, and record when the adjuster comes to view the damaged property. Listen in as he gives more advice on this.

Another thing to remember is that there are timelines that must be followed – by you and the insurance company. “Most insurance claims are handled promptly and fairly and everybody’s happy at the end of the day,” Alex says. “But there is a significant rise in the number of claims where people aren’t being treated properly.”

Don’t let anyone take advantage of your vulnerability. Your insurance company will do everything in their power to delay, delay, delay your claim. Don’t let them do that! A great tragedy has occurred in your life and you deserve to be treated fairly, with dignity and respect. If you feel as if you are being treated poorly, do not hesitate to hire a licensed public adjuster or lawyer who specializes in insurance claims disputes.

Know the facts now. Even if your insurance company isn’t trying to delay payment, they will attempt to underpay you. “We see this way too often,” Alex says. “This is a tactic insurance company’s use, because it is put in writing.” Plus, the insurance company knows that the longer they low-ball you as you fight back, the longer they can delay paying you what you deserve!

Share this segment with your contact list, especially those who have had damage.



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October 6, 2014


Title: Should Doctors be Drug Tested?
Topic: Drug Testing Doctors
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Roughly five percent of doctors commit over fifty percent of patient harm, resulting in medical malpractice lawsuits. At a time when random drug testing is part of the job for pilots, train operators, police officers, and firefighters, one high-profile line of work has managed to remain exempt: doctors. How many of those irresponsible doctors are high or drunk when performing their job?

In the American Medical Association Journal, they estimated that at least one-third of all physicians experience a time of drug or alcohol impairment on the job during the course of their careers. They also asserted that at least one-third of all patients admitted to a hospital will experience a medical error at some point during their treatment. Was physician impairment to blame for these medical errors?

Alex Winslow, the Executive Director of Texas Watch, discusses why he thinks doctors should be held accountable for their actions, including submitting to random drug tests, monitored and administered by the Texas Medical Review Board. Alex says these men and women are literally holding lives in their hands. They should volunteer to drug testing, in my opinion.

Alex reminds us that ten years ago, the Texas courts took away patient’s rights to obtain what should lawfully be theirs when they enacted TORT reform. The accountability is now gone and doctors can do whatever they want.

Alex encourages everyone to call or email their elected officials and tell them how important this issue is. Log on to www.TexasWactch.org  to learn more about this and other issues facing Texas.




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July 10, 2014


Title: Remembering the Past and Looking Ahead
Topic: Hurricane Preparedness
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 3

Hurricane Ike (2008) is still very vivid in our minds. Lives were lost. Homes were toppled. Entire towns left in ruins. It will be a long time before those horrible images will be erased from our minds.

How prepared are you now? Alex Winslow, with Texas Watch, says you should review your policy every year to make sure no coverage has expired (it happens!) and that everything is up to date.

Alex also recommends taking a video of everything of value in your home, garage, and storage areas.



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Title: Part 2 of 3
Topic: Hurricane Preparedness
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Many people do not realize that wind or flood damage is NOT part of their home insurance coverage. It should be, but it’s not. Drenching downpours happen. Alex says flood coverage is a must.

Now comes the tricky business….what are you supposed to do if your home does suffer damage in a natural disaster? Filing insurance claims is bothersome, sometimes by design to discourage claims, and time-consuming. Alex gives some tips on how to handle the paperwork.



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Title: Part 3 of 3
Topic: Hurricane Preparedness
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

In the past, insurance companies coached their adjusters to deny claims, then delay, delay and delay some more, followed by offering low settlements. Adjusters were even rewarded with prizes and trips for holding down the number of claims.

Be persistent in your request for prompt payment. But Alex warns to never take the first offer thrown at you because it is probably a whole lot less than what you’re owed!

Sometimes it is necessary to hire an attorney and fight for what you deserve. Do not try to handle the issue on your own. The insurance company has teams of lawyers at their disposal – at times, you need one, too!

If you need to file a complaint with the Texas Department of Insurance, call 1.800.252.3439. While the TDI cannot resolve your issue (you will still need a lawyer), they will have your complaint on file. It is important to have your concerns made public for the safety of everyone.



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September 17, 2013


Title: Elected Officials Can Lie – It’s Up To The Voter To Determine the Truth
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 4

Courts across the nation have ruled, “Politicians have a 1st Amendment Right” which includes the right to lie and it’s up the voter to figure it out.

Politicians promised that if Texans would just restrict their constitutional right to a trial by jury that there would be more doctors laying hands on patients. This has been proven to be a lie.

Texans were promised the moon and only to get the shaft.

Please listen in.



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Title: Texans Were Told Their Health Insurance Premiums Would Go Down
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 2 of 4

Wasn’t there a groundswell of citizens that felt like there was a tsunami of lawsuits against businesses and doctors? No! Big business insiders and Karl Rove started lawsuit reform groups across the country.

Conservatives who are fighting for their First Amendment rights, for their Second Amendment rights, and now for their Tenth Amendment rights (state’s sovereignty) do not understand how they have surrendered their Seventh Amendment Right to a trial by jury.

Texans were promised the moon  only to get the shaft.

Please listen in.



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Title: More Doctors, More Access, Better Quality, and Lower Premiums…All Lies
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 3 of 4

Insurance premiums have not come down since the passage of medical-malpractice tort reform.

A small handful of doctors are responsible for the majority of malpractice payments. But do they receive sanctions or have their licenses revoked? Ales Winslow answers, “NO.”

Texans ranks dead last in the area of ‘quality of health care’. Bad doctors have protection. Injured patients or their family members have limited recourse.

Please listen in.



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Title: Quality of Health Care In Texas Ranks Dead Last
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 4 of 4

When addressing King George with a list of grievances, our founding fathers were more upset with King George usurping their right to a trial by jury than they were with the Tea Tax.

The U.S. Supreme Court has ruled that generic drug manufacture have a shield against liability. Does that make you feel safer? Will you child be harmed? Will your loved one be harmed?

We, the voter, have given up our right to hold the wrongdoer accountable. God had Moses address this issue in Exodus. We need to read the Old Testament.

Please listen in.



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March 5, 2013


Title: Builders Scheming Schemes
Topic: Government Interference
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 3

The first concept of holding a builder accountable for faulty construction dates back to Moses! But we won’t go back that far.

A few decades ago, builders began placing tiny, tiny print about something called “forced arbitration” in their buyer contracts. The biggest shock with these “forced arbitration” is…



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Title: Part 2 of 3
Topic: Government Interference
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

TRCC stands for Texans Residential Construction Commission. Sounds good right? Listen to this segment to find out the who, why, what, when, where, and how of this government-formed state agency.



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Title: Part 3 of 3
Topic: Government Interference
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Perry Homes and David Weekly Homes played major roles in the formation of TRCC. For many reasons, this did not sit well with home owners in Texas. So, the TRCC was abolished.

But, the problems have not ended. If you are buying a home in Texas, be careful and make sure your house is solid!



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November 2, 2012


Title: Tips For Dealing With Your Insurance Company In The Wake Of A Natural Disaster!
Topic: Disaster Preparedness
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 2

Texas watch is a non-partisan citizen advocacy organization dedicated to ensuring that corporations and insurance companies are accountable to their customers. What advice would you give to people on the East Coast as they assess the damage from Hurricane Sandy?

Signing too quickly is one of the biggest mistakes that homeowners make after a natural disaster such as a flood, fire, hurricane, or tornado. Insurance agents will tell the homeowner "you only have so many days to take this offer then it goes down" or they will use "tricky" language that is confusing. How can people, specifically our listeners in Pennsylvania and other cities on the East Coast, avoid being taken advantage of?

Many times an insurance agent will try and tell a homeowner that the damage isn't covered under their policy. Should homeowners make the insurance prove that the damage isn't covered? Also, is water damage during a hurricane considered "flood damage" or "hurricane damage"?



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Title: Part 2 of 2
Topic: Disaster Preparedness
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texas watch is a non-partisan citizen advocacy organization dedicated to ensuring that corporations and insurance companies are accountable to their customers. What advice would you give to people on the East Coast as they assess the damage from Hurricane Sandy?

Signing too quickly is one of the biggest mistakes that homeowners make after a natural disaster such as a flood, fire, hurricane, or tornado. Insurance agents will tell the homeowner "you only have so many days to take this offer then it goes down" or they will use "tricky" language that is confusing. How can people, specifically our listeners in Pennsylvania and other cities on the East Coast, avoid being taken advantage of?

Many times an insurance agent will try and tell a homeowner that the damage isn't covered under their policy. Should homeowners make the insurance prove that the damage isn't covered? Also, is water damage during a hurricane considered "flood damage" or "hurricane damage"?



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October 12, 2012


Title: Have The Courts Ruled That Politicians Have The Right To Lie?
Topic: Ethics
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Lets walk through lies. Has the cost of health care premiums continued to rise? Weren't we told this WAS NOT going to happen? Has the overall cost of health care gone down? Were Texans lied to? Have the courts ruled that politicians have the right to lie?

Alex oversees all legislative, political, administrative, and research operations for the organization. Alex directs issue strategy and leads program development. As Texas Watch’s primary media spokesperson, Alex is dedicated to giving voice to the need for real corporate responsibility and preservation of individual constitutional rights and liberties.

Texas Watch is a non-partisan citizen advocacy organization dedicated to ensuring that corporations and insurance companies are accountable to their customers. We provide a platform for Texans to get involved in the legislative process through grassroots advocacy, allowing our thousands of activists across the state make their voices heard to preserve and strengthen their rights, liberties, and protections. We strive to provide a counter to special interest lobbyists and ensure Texas laws reflect the true needs of Texas families and consumers.



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August 22, 2012


Title: Texas - The New Wild West For Patient Safety
Topic: Medical Ethics
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

When West Texas Nurse Anne Mitchell reported some strange and unethical behavior on the part of her boss, she never imagined that she herself would face punishment!

What was the end of the story?



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July 11, 2012


Title: Is Tort Reform The Solution To Hurting Our Enemies and Helping Our Friends
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 2

Did the Tort Reformers promise that the supply of doctors would increase if we would just close the courthouse doors and not allow patients to sue their doctors?

Did the Tort Reformers promise that they would police the bad doctors by giving the Texas medical board more authority to kick bad doctors out?



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Title: Part 2 of 2
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Has there been an explosion, an abundance, of doctors since the implementation of Tort Reform by our Representatives?

What about patient safety? Did our elected officials say they would come down hard on the bad doctors? HAVE THEY?



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May 30, 2012


Title: What Is The Solution to Hurting Our Enemies and Helping Our Friends? Tort Reform Of Course!
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 2

Did the Tort Reformers promise that the supply of doctors would increase if we would just close the courthouse doors and not allow patients to sue their doctors?

Did the Tort Reformers promise that they would police the bad doctors by giving the Texas Medical Board more authority to kick bad doctors out?



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Title: Part 2 of 2
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Has there been an explosion or an abundance of doctors since the implementation of Tort Reform by our Representatives?

What about patient safety? Did our elected officials say they would come down hard on the bad doctors? Have they?



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May 16, 2012


Title: What Is The Solution to Hurting Our Enemies and Helping Our Friends? Tort Reform Of Course!
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 2

Special guest Alex Winslow answers:

Did the Tort Reformers promise that the supply of doctors would increase if we would just close the courthouse doors and not allow patients to sue their doctors?

Did the Tort Reformers promise that they would police the bad doctors by giving the Texas medical board more authority to kick bad doctors out?



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Title: Part 2 of 2
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Has there been an explosion, an abundance, of doctors since the implementation of Tort Reform by our Representatives?

What about patient safety? Did our elected officials say they would come down hard on the bad doctors? HAVE THEY?



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August 17, 2011


Title: Promises Kept – Promises Broken?
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 3

Texans were promised the ‘moon’ during the Medical-Malpractice Tort Reform Debate in 2003. But what did Texans receive in exchange for giving up their 7th Amendment Right to a Trial by Jury?

The Republican leadership in the State of Texas promised the citizens that they would experience lower health insurance costs if they would just give up their right to a trial by jury when harmed by a medical provider. Did this promise come true – listen in for the stark reality. [Hint: NO!]

National Republican leaders are making bold promises that the way to bring down health care costs is to limit an injured patient’s right to a trial by jury. How has this worked out in Texas?



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Title: Part 2 of 3
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texans were promised the ‘moon’ during the Medical-Malpractice Tort Reform Debate in 2003. But what did Texans receive in exchange for giving up their 7th Amendment Right to a Trial by Jury?

Promised individual health insurance premium reductions have NOT occurred. More doctors serving underserved areas has NOT occurred.

Med-Mal rates for doctors would come down, Texans were promised. Reality is, rates have fallen nationally but not due to restricting a patient’s right to hold a wrongdoer accountable.



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Title: Part 3 of 3
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texans were promised the ‘moon’ during the Medical-Malpractice Tort Reform Debate in 2003. But what did Texans receive in exchange for giving up their 7th Amendment Right to a Trial by Jury?

Overall, a relatively small number of doctors are responsible for the majority of complaints filed with medical review boards. In Texas, the practice of looking the other way or simply slapping the hands of an egregious doctor has simply continued since the patient’s right to hold them accountable has been severely limited.

The quality of patient care has not improved since 2003. Bad doctors are still practicing bad medicine.




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August 9, 2011


Title: Promises Kept – Promises Broken?
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Part 1 of 3

Texans were promised the ‘moon’ during the Medical-Malpractice Tort Reform Debate in 2003. But what did Texans receive in exchange for giving up their 7th Amendment Right to a Trial by Jury?

The Republican leadership in the State of Texas promised the citizens that they would experience lower health insurance costs if they would just give up their right to a trial by jury when harmed by a medical provider. Did this promise come true – listen in for the stark reality. [Hint: NO!]

National Republican leaders are making bold promises that the way to bring down health care costs is to limit an injured patient’s right to a trial by jury. How has this worked out in Texas?



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Title: Part 2 of 3
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texans were promised the ‘moon’ during the Medical-Malpractice Tort Reform Debate in 2003. But what did Texans receive in exchange for giving up their 7th Amendment Right to a Trial by Jury?

Promised individual health insurance premium reductions have NOT occurred. More doctors serving underserved areas has NOT occurred.

Med-Mal rates for doctors would come down, Texans were promised. Reality is, rates have fallen nationally but not due to restricting a patient’s right to hold a wrongdoer accountable.



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Title: Part 3 of 3
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texans were promised the ‘moon’ during the Medical-Malpractice Tort Reform Debate in 2003. But what did Texans receive in exchange for giving up their 7th Amendment Right to a Trial by Jury?

Overall, a relatively small number of doctors are responsible for the majority of complaints filed with medical review boards. In Texas, the practice of looking the other way or simply slapping the hands of an egregious doctor has simply continued since the patient’s right to hold them accountable has been severely limited.

The quality of patient care has not improved since 2003. Bad doctors are still practicing bad medicine.




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June 20, 2011


Title: Texas Legislature Pushing the Texas Windstorm Insurance Association to Turn Its Back on Texans
Topic: Texas Windstorm Insurance Association
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Over one-hundred thousand homeowners and business owners had their property damaged by Hurricane Ike. Tens of thousands still have not been ‘made whole’. Why is the Texas Windstorm Insurance Association dragging its feet? Beware: Insurance companies, by and large a fair when a storm causes damage. But some pull out the old playbook:
1. First, simply deny.

2. If the homeowner/ business owner continues to press for payment, they then begin to delay.

3. After delaying as long as possible, some insurance companies then pull out their last play:

4. offer a low-ball settlement (underpay).

Log onto www.TexasWatch.org  for more information on how to protect your rights.



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May 9, 2011


Title: Corporate “Bad Guy” Immunity Bill Being Strong-Armed Through Texas House
Topic: Loser Pays Will Harm Texas Families and Small Businesses
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Dangerous legislation pushed by lobbyists for polluters, insurance companies, and other corporate wrongdoers is being shoved through Texas House. Alex Winslow, the Executive Director with Texas Watch, joins us urging everyone to contact their Texas State Senator and urge them to vote NO on the “Loser Pays” Bill. Call the switchboard at the Texas Capital @ 512.463.4630 and urge all your friends to call, also. So who is pushing this legislation? Answer: Big Business and Big Insurance! For more, log onto www.TexasWatch.org.




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April 8, 2011


Title: What has Medical Malpractice Reform accomplished in Texas?
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Segment 1 of 3

Are patients better protected from medical errors because of Tort Reform that shields doctors from their medical errors? The fundamental question is: Are patients receiving better health care with fewer risks of being injured or killed by a preventable medical mistake? Alex Winslow, the Executive Director of Texas Watch, reviews the results of Medical Malpractice Tort Reform from a Texas perspective. More information can be found at www.TexasWatch.org.



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Title: What has Medical Malpractice Reform accomplished in Texas?
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Segment 2 of 3

Are Medical Review Boards coming down hard on bad doctors that continually harm their patients? Are preventable medical errors on the increase? Should car manufacturers receive a “federal shield of protection”? Should tire manufacturers receive a “federal shield of protection?” In a prior interview, we discussed how Congress shielded big oil from their mistakes when drilling in the Gulf of Mexico. Now look at the giant oil spill from last summer. Alex Winslow, the Executive Director of Texas Watch, continues reviewing the results of Medical Malpractice Tort Reform from a Texas perspective. More information can be found at www.TexasWatch.org.



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Title: What has Medical Malpractice Reform accomplished in Texas?
Topic: Tort Reform and Limiting Liability
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Segment 3 of 3

Have medical errors decreased? Have health insurance premiums been reduced? Are more doctors practicing in ‘under-served areas’? Have out-of-pocket health care expenses been reduced? These are some of the promises made by big insurance companies and their allies when pushing through Medical Malpractice Tort Reform. Alex Winslow, the Executive Director of Texas Watch, concludes his review of the results of Medical Malpractice Tort Reform from a Texas perspective. More information can be found at www.TexasWatch.org.



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February 17, 2010


Title: TEXAS - THE NEW WILD WEST FOR PATIENT SAFETY
Topic: Medical Ethics
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

When West Texas Nurse Anne Mitchell reported some strange and unethical behavior on the part of her boss, she never imagined that she herself would face punishment! What was the end of the story? Log on to www.TexasWatch.org for more information.



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April 21, 2009


Title: INSURANCE COMPANIES TELL THEIR ADJUSTERS TO DENY, DELAY, AND UNDERPAY! Part 1 of 3
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

It’s true! Log on to www.texaswatch.org for more information on the McKenzie Reports and how insurance companies are instructing their adjusters to cheat you!



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Title: INSURANCE COMPANIES TELL THEIR ADJUSTERS TO DENY, DELAY, AND UNDERPAY! Part 2 of 3
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

How should homeowners protect themselves after a natural disaster such as a hurricane or tornado? Alex Winslow, with Texas Watch, urges all homeowners to read the fine print. If you don’t understand what you are signing, take the documents to an attorney, or call Texas Watch @ 512.381.1111 or log on to www.texaswatch.org



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Title: INSURANCE COMPANIES TELL THEIR ADJUSTERS TO DENY, DELAY, AND UNDERPAY! Part 3 of 3
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Don’t wait until Hurricane season to take inventory of your valuables. Anything can happen at anytime. If you do not have pictures, receipts, or any kind of documented proof of your valuables, the insurance company is less likely to give you what they are worth. Also, store the information in a safe place, such as a safe deposit box, or with a friend or relative. Log on to www.texaswatch.org for more information on how to protect yourself from sneaky insurance adjusters.



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September 18, 2008


Title: Ike Victims Should Be Vigilant When Filing Insurance Claims
Topic: Filing Insurance Claims
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Alex Winslow, the Executive Director of Texas Watch, urges vigilance when filing claims due to storm damage for Hurricane Ike.



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February 16, 2007


Title: HAS THE NEW CAP ON MEDICAL MALPRACTICE SUITS REALLY HELPED TO LOWER THE COST OF MEDICAL INSURANCE?
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Has the new CAP on medical malpractice lawsuits really helped to lower the cost of medical insurance? Have you or a loved one been affected by this new CAP? If so, use the "CONTACT" link at the upper right-hand corner of your screen to tell me your story.



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January 31, 2007


Title: HELPING TEXANS Replay from January 30, 2007
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Homeowners who were told to evacuate during Hurricanes Katrina and Rita can't collect money spent on hotels and travel expenses. One man's kidney was destroyed when the surgeon left a towel in him after surgery - but the new law protects the doctor and gives the man nothing! Big business and big insurance companies have stacked the deck against the average Texan seeking help. But, Texas Watch is on your side! They fight for the "little guys". Log onto www.TexasWatch.org for more information. [



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January 30, 2007


Title: HELPING TEXANS
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Homeowners who were told to evacuate during Hurricanes Katrina and Rita can't collect money spent on hotels and travel expenses. One man's kidney was destroyed when the surgeon left a towel in him after surgery - but the new law protects the doctor and gives the man nothing! Big business and big insurance companies have stacked the deck against the average Texan seeking help. But, Texas Watch is on your side! They fight for the "little guys". Log onto www.TexasWatch.org for more information.



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January 11, 2007


Title: REAL TORT REFORM
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Texans deserve true tort reform. Alex Winslow, with Texas Watch, discusses how big business and big insurance companies spent 30 years closing the courthouse doors to average citizens like seniors and stay at home moms. Call your Elected Officials today to let them know your opinion.



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December 8, 2006


Title: SELFISH INTEREST OF BIG BUSINESS Segment 1 of 2
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Alex Winslow discusses ways to reverse some of the selfish legislative trends of big business and big insurance. More tort reform is needed. Log onto wwwtexaswatch.org for more information.



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Title: SELFISH INTEREST OF BIG BUSINESS Segment 2 of 2
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Alex Winslow discusses ways to reverse some of the selfish legislative trends of big business and big insurance. More tort reform is needed. Log onto wwwtexaswatch.org for more information.



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October 3, 2006


Title: SHARON BOYD NEVER GOT HER DAY IN COURT - WILL YOU?
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Sharon Boyd was a nurse and loving mother. She spent the last years of her short life fighting cancer and a legal system that was stacked against her. Log onto www.texaswatch.org for more on this and other issues.



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August 16, 2006


Title: AVOID DRUG ERRORS
Topic: Patient Safety
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

1.5 million Americans suffer each year from medication errors. Patients must be aware. Personal responsibility and accountability is a must! Remember, 1.) Keep a list of all the medication you take. 2.) Ask about side effects. 3.) Never take a drug without knowing what it is. More information on patient safety, may be accessed online at www.texaswatch.org



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March 15, 2006


Title: Consumer Tip: Be Careful When Shopping For Insurance: Don’t Just Compare Price Alone
Topic: Consumer Tips
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

To save a few dollars each month, some drivers increase their deductible amount from $250 to $500 or even $1000. But, what will this cost you if you cause an accident? What about your coverage limits? Will you be forced to pay hundreds of dollars each month to someone you hurt because your coverage was not adequate? For more information, log onto www.TexasWatch.org



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October 11, 2005


Title: Insurance Complaint Hotline For Rita Victims
Topic: Rita Disaster Relief
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

A State District Court issued a temporary restraining order against Allstate to stop the company from abusing policy holders displaced by Hurricane Rita. For a listening ear, and a clearing house to direct complaints, call Texas Watch at 888-738-4226, or log onto www.texaswatch.org



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September 27, 2005


Title: Toll-Free Insurance Hotline created for Hurricane Victims
Topic: Rita Disaster Relief
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Victims of Hurriacane Rita who have been infairly treated or denied a claim by their insurance company are encouraged to call the Free Texas-Watch hotline @ 1-888-738-4226 and share their story. Log onto www.texaswatch.org for tips for dealing with your insurance company!



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August 3, 2005


Title: Do you trust the F.D.A. with your life?
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Some want the "Shield" of approval form the FDA to shield them from liability...



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May 6, 2005


Title: Should an adult who gives alcohol to a minor be held responsible?
Topic: Under Age Drinking
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

24.5% of 17 year olds have engaged in binge drinking. 29% of 12-20 year olds report drinking alcohol in the past month. Nearly 10% of drivers aged 16-17 report driving uder the influence in the past year. Where are they obtaining their alcohol? What can be done to reduce these numbers?



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April 12, 2005


Title: What's UP With Asbestos Lawsuit Reform
Topic: Asbestos
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

The first speech in a court case is always convincing - until the cross-examination starts! Prov. 18:17 No one likes lawsuit abuse. But... We must understand who is driving our elected officials to close the court house doors for you and me.



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Title: "All Courts Shall Be Open..." so says the Texas Bill of Rights.
Topic: Asbestos
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

The Texas Bill of Rights states: "All courts shall be open..." but there is a well funded, well planned conspiracy by big business, big insurance companies, big home builders and others to shut the courthouse doors for you and me. "They" are paying over 1,500 lobbyists to fight for them. Who's fighting for your rights. Log onto www.texaswatch.org



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Title: What is Asbestos and how does it cause harm?
Topic: Asbestos
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Where was asbestos used? How does it cause harm and what are the symptoms? What industries used it and did they knowingly expose workers? How long has the industry known that Asbestos harms? Should workers and their families have the right to seek compensation? For more info log onto www.texaswatch.org



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Title: Asbestos was used in Hair Dryers, Electric Blankets, Insulation and other products
Topic: Asbestos
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Who do you trust: politicians or a jury of your peers? Big business, big industry, big builders and others have bought and paid for many elected officials. Why? It's not to help you, trust me. Why would they hire over 1,500 lobbyists to assist them in closing the courthouse doors for you? For more info log onto www.texaswatch.org



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Title: Wives and children under attack!
Topic: Asbestos
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Wives and children of workers have been exposed and harmed by asbestos when the worker came home with asbestos on their clothes. What happens when someone in your older office building remodels and exposes you? What happens if you remodel that older home and are exposed?



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March 22, 2005


Title: Asbestos Illness - Who Should Care?
Topic: Asbestos
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

The Executive Director for Texas Watch explains why we keep hearing about legislation currently before the Texas Legislature and how it will help the "truly sick". Also, what is the effect of back-dating the bill? What are the asbestos-related illnesses? Are you at risk of exposure to asbestos even if you do not work or live near-by?



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March 1, 2005


Title: How adults are responsible for MADDness!
Topic: Pro-Family Issues
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

Irresponsibele parents (adults) are buying and serving alcohol to minors in thier homes. Many of these teens are driving, causing accidents which result in death. Should the adult be held civicly responsible for monetary damages - or more?



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January 13, 2005


Title: Texas Doctors and Citizens were promised relief, but it did not happen!
Topic: Tort Reform
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)

What happened to the promised relief for Texas Doctors and citizens with the passage of Tort Reform? Answers explained by the Executive Director of Texas Watch.



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