Texas Farm Bureau has asked the Texas Department of Insurance to allow it to write arbitration clauses into its homeowners’ policies in exchange for a reduction in premiums. Presently, the Texas Insurance Code only allows the Texas Windstorm Insurance Association to issue such endorsements under sec. 2210.554. The insurer argues that it needs to do this to stay profitable in Texas and increase consistency, but consumer advocacy groups claim it will undermine policyholders’ rights. An additional concern is that filings and rulings in arbitrations are not a matter of public record, so they lack the precedential value of case law. It is unclear whether the Commissioner of Insurance will issue an administrative order that affects access to the open courts without legislation being passed first to do this.