National Impaired Driving Awareness Month

December 3, 2024 By

The month of December is proclaimed as National Drunk & Drugged Driving Prevention Month or National Impaired Driving Prevention Month. The time between Thanksgiving and New Year’s Day is described by the National Association of Drug Court Professionals as “One of the deadliest and most dangerous times on America’s roadways due to an increase in impaired driving.” Therefore, for more than 40 years, preventionists across the country have observed National Impaired Driving Prevention Month in December to raise awareness that impaired driving can be deadly and to put strategies in place for all of us to make it home safely.

Over 10,000 American lives are lost to drunk and drug-impaired driving each year, accounting for nearly a third of all traffic deaths. In addition to this, The National Highway Safety Traffic Administration (NHTSA) reported that in 2019 during the week between Christmas and New Year’s Day, 210 lives were lost due to alcohol-impaired driving crashes. A person’s ability to operate a vehicle is impaired by the effects of illegal drugs, prescription medication, over-the-counter medication, or a blood-alcohol concentration of 0.08 grams per deciliter or higher.

Accidents caused by driving under the influence are preventable. Here are a few tips to keep in mind. Firstly, always plan ahead. Designate a sober driver, and arrange for an alternative route home just in case. Second, if you are a parent, grandparent, aunt, uncle, or even friend, talk to your loved ones to remind them how important it is to be responsible and stay safe. Additionally, if you are the one hosting the party, always offer a non-alcoholic option for drinks for your guests so they can still have a good time eating and drinking with everyone else. This holiday season, each of us has the power to prevent a tragedy and ensure that those we know and care about get to and from their celebrations. If we practice prevention to keep ourselves and our communities safe, the holidays can be full of the joy we expect them to be.

To learn more about National Impaired Driving Prevention month please visit https://www.samhsa.gov/blog/national-impaired-driving-prevention-month. Additionally, you can visit National Safety Council to learn more about impaired driving and safety tips https://www.nsc.org/road/safety-topics/impaired-driving. Along with this Mothers Against Drunk Driving also known as MADD, is a great resource to learn about the statistics and prevention of impaired driving. They also provide support to those who are victims of these horrible crimes. Their website is https://madd.org/.

If you have questions regarding any of the information mentioned in this week’s article, please do not hesitate to call my Capitol or District Office. Please always feel free to contact my office if you have any questions or issues regarding a Texas state agency, or if you would like to contact my office regarding constituent services. As always, my offices are available at any time to assist with questions, concerns, or comments (Capitol Office, 512-463-0672; District Office, 361-949-4603).

– State Representative Todd Hunter, District 32

Rep. Hunter represents Aransas County and Nueces County (Part). He can be contacted at todd.hunter@house.texas.gov or at 512-463-0672.

Filed Under: Breast Cancer, buying a home, chamber of commerce, Charities, corpus christi, cybersecurity, Holiday Parties, home maintenance, Hurricane Aide, Padre Island Business Association, property taxes, Todd Hunter, Water Exchange Bridge, Whitecap NPI, windstorm insurance

BBB Tip: How to avoid purchasing fake tickets to events

November 24, 2024 By

As another Texas summer with record-breaking heat ends and cooler fall temperatures approach, many people will be looking to get out and enjoy themselves at various events across the state. Sports enthusiasts may be planning on watching their favorite team compete this season, while those more interested in music eagerly await to see their favorite artist perform live. With the prices of tickets to major events increasing and the ever-present threat of con artists capitalizing on marketplace trends, BBB recommends consumers exercise caution when searching for and purchasing tickets to their next event.

While most people know to be careful when purchasing tickets off a third-party website or reseller, recent reports to BBB Scam Tracker show a concerning trend of scammers disguising themselves as reputable ticket sellers when interacting with the victim. These schemes often leverage the credibility of companies such as Ticketmaster to convince victims to provide payment for tickets that are either fake, for the wrong event or priced significantly higher than the going rate. Some may also advertise discounted tickets for high-priced seats or sections, which turns out to be false once the tickets are received, or the purchaser arrives at the venue.

In some worst-case scenarios, a consumer who is provided a fake ticket plans an entire weekend around the event, including travel costs and a hotel room, only to be turned away at the entrance. Victims may also find that the credit or debit card used to pay for the tickets has a series of charges they do not recognize, resulting in them having to cancel the card and dispute those transactions with their bank to varying degrees of success.

To help prevent fraudulent sellers from interrupting your event plans, Better Business Bureau provides the following tips:

  • Purchase directly from the venue whenever possible. Many consumers automatically go to a secondary resale market to purchase tickets for an upcoming event before first checking with the venue. Going directly to the venue may not only save money but is also a way to ensure that a purchase is for a valid ticket. Venues also often include what secondary resale organization they are listing their tickets on, giving consumers an additional layer of protection from purchasing fake tickets.
  • Consider your source. There is a significant difference between purchasing a ticket from a professional ticket broker and a ticket scalper. While dealing with the latter may result in obtaining valid tickets, the risk of encountering a scammer is significantly greater. Always exercise caution when purchasing from sources that are not members of the National Association of Ticket Brokers (NATB) or Better Business Bureau.
  • Research the seller/broker. Brokers who are members of NATB offer a 200% purchase guarantee on tickets, protecting consumers that use their services. Visit NATB.org to confirm you are interacting with a NATB-member resale company.
  • Check for website encryption. It is good practice to always check for the lock symbol in the website address, indicating a secured system is enabled on the site. BBB strongly recommends against giving any banking information to websites that are not secured.
  • Know the refund policy. Only purchase tickets from a ticket reseller that clearly details the purchase terms. Avoid sellers who do not disclose where the seats are located or where purchasers can pick up tickets. If the deal seems “too good to be true,” trust your instincts and thoroughly investigate the seller before purchasing tickets.
  • Use protected payment options. Debit or gift cards, mobile banking apps and cash transactions are risky due to difficulties recovering money if the tickets are fake. BBB recommends using credit cards for all online purchases due to the additional protections they offer consumers to obtain a refund.
  • Verify tickets. If you doubt the authenticity of a purchased ticket, present it to the “Will Call” or customer service center of the event venue. They will inform you if it is legitimate or explain how a legitimate ticket for their venue should look.

If you have been a victim of a fake ticket scam, report it to BBB Scam Tracker. Information provided could prevent another person from falling victim.

For more information about ticket scams, visit BBB.org.

 

Filed Under: Better Business Bureau, chamber of commerce, Charities, cybersecurity, hispanic chamber of commerce, home maintenance, Hurricane Aide, North Padre Island Beaches, North Padre Island Marina, Packery Channel, property taxes, Restaurants, Retail Tax, Scam Alert, windstorm insurance

BBB Tip: Reports of political scams increase as presidential election nears

October 26, 2024 By

An election’s approach always seems to turn up the emotional heat across the nation, and the upcoming presidential election is no exception. On Nov. 5, voters will decide who will lead the country into the future. As the election nears, voices arguing for or against critical issues are loud and persistent, often fueled by emotional appeals and passionate support. While political campaigns usually include unsolicited contact as part of legitimate outreach efforts, bad actors also capitalize on peoples’ passion to trick them into divulging personal information or providing financial contributions.

Preying on emotion and exploiting people who deeply care about an ongoing situation or issue is a common tactic for scammers. This strategy can often be seen in the number of charity and fundraising scams following a natural disaster or humanitarian crisis. As generous donors look to contribute to ease the suffering of those affected, scammers seek to exploit their kindness for their own purposes. In the political arena, people often participate in polls and surveys because they want their voices to be heard, and scammers use that desire to build trust and steal personal information. Other citizens who wish to be involved may donate to the political campaign of their chosen representative, and scammers are more than willing to take advantage of their willingness to contribute.

Elections are polarizing by their very nature. It is easy to get swept up in the emotional wave and take risks that you might typically avoid. While it is essential for the governed to be informed and engaged with the election process, it is also important to remain aware of scammers who use elections to initiate contact and steal from the public.

BBB provides the following tips to help identify some common political scams as the presidential election approaches.

Check your email

During election seasons, it can feel like once a candidate or political party gets your email address, you hear from them every time you check your inbox. They may claim they need your help or want to know your point of view through a poll or survey. The email may ask for a donation, a response, or specific information about your political beliefs and demographics to support their efforts and make an impact on the future.

Campaign email is one of the best ways to communicate with voters whose busy schedules often prevent them from having the time to answer a phone call or attend a political rally. However, scammers can also sign up to receive these communications, allowing them to mimic their appearance and language. Polls, surveys or donation requests that appeal to your passion, beliefs and desire to take action may also be an attempt to steal your personal information or gain access to your bank account.

If you have signed up to receive communications from a political campaign, those emails should come from a specific email address associated with the representative. Take the time to check the sender’s email address and pay close attention to the domain and subdomain. For example, a generic email address for a political campaign may be ‘info@RepresentativeFor2024.org,’ which a scammer may change to ‘info@ForRepresentaive2024.com.’ Before you donate or give personal information, research the organization that reached out, and be wary of people who try to rush you to make a decision.

Be especially careful of emails with links. Phishing emails might include a link that takes users to a spoofed version of a candidate’s website or installs malware on your device. If you want to receive more information or visit a site, it’s better to type the official website address into your browser. You can also hover your mouse over hyperlinks and compare the web address that pops up with the legitimate web address.

When scammers give you a ring

Candidates’ campaigns often canvas their supporters by phone to help determine voters’ key issues for an upcoming election. However, scammers may do the same to obtain personal information or money. Criminals pretending to be affiliated with your party or candidate might attempt to scam you over the phone by asking you to answer survey questions, donate money, or claim to offer voter registration assistance. Scammers entice their targets to share personal information such as their Social Security number, birthdate or address in exchange for a prize or gift card, which no legitimate canvasser will ever do.

Trickery by smishing

Smishing is like email scamming; only messages are sent via text. Voters might receive a message that looks like it came from a trusted source, inviting them to participate in a poll or donate by following a provided link or QR code. Scammers also have been known to spoof phone numbers and caller IDs, making it even more challenging to distinguish between a legitimate outreach attempt and fraud. Like phishing scams, con artists use smishing to get passwords, account numbers, Social Security numbers or other data. They may also ask personal questions that seem harmless at face value but can be used to answer security questions for your online accounts.

Another type of scam happens when con artists send a text about a problem that doesn’t exist. For example, an individual might get a text that looks like it came from their bank, asking if they donated to a candidate, organization, or party with a prompt to reply “yes” or “no.” If the person replies no, the scammer calls them and asks for their account login, numbers or password to investigate or dispute the transaction. The person feels an urgent need to act, so they might not think twice about giving up sensitive information.

There’s also the text-your-vote scam. Con artists send text messages urging people to text their vote rather than voting in person or by mail. When voters believe them, they don’t show up to vote, losing their chance to participate in elections.

Presidential election cybersecurity tips

  • See prizes as a red flag.
  • Know what pollsters don’t need. They might ask for demographic information or what party you most align with, but they don’t need personal information like birth dates, social security numbers or financial information. No state offers voter registration by phone.
  • Don’t answer unknown numbers. Con artists can’t trick you if they can’t get in touch.
  • Listen to your gut. If something seems off, protect yourself. If in doubt, check with your local election office.
  • Don’t provide information in response to an unsolicited message.
  • Do report suspicious activities to BBB’s Scam Tracker.

Visit BBB.org/Cybersecurity for more information to help voters understand and manage risks this election season.

 

Filed Under: Better Business Bureau, chamber of commerce, Charities, corpus christi business, corpus christi city council, corpus christi jobs, COVID-19 Virus, cybersecurity, hispanic chamber of commerce, Mortgages, property taxes, Retail Tax, windstorm insurance Tagged With:

National Domestic Violence Awareness Month

October 6, 2024 By

The month of October is recognized as Domestic Violence Awareness Month. According
to the National Research Center on Domestic Violence, 1 in 4 women and 1 in 9 men are
affected by domestic violence. Unfortunately, this means that this is a common problem for
many people. Additionally, it is estimated that annually 20 million people will be abused by their
partner. Therefore, millions of people are in a constant state of fear for their livelihood. As a
result of the alarmingly high statistics, it is important to be educated about domestic violence and
to be aware of the signs to protect those around you from domestic violence.

Domestic Violence Awareness Month is a critical month for the public and survivors of
domestic violence. The purpose of this month is to raise awareness regarding domestic violence.
The Domestic Violence Awareness Project describes domestic violence as “a pattern of abusive
behaviors–including physical, sexual, and psychological attacks as well as economic
coercion–used by one intimate partner against another (adult or adolescent) to gain, maintain, or
regain power and control in the relationship.” Abusers use a wide variety of methods to scare,
terrorize, humiliate, injure, and in some instances kill their partners. Domestic violence is
incredibly dangerous since this can have lasting emotional, psychological, mental, and physical
effects on those being abused by their partners.

In addition to the horrible effects of domestic violence, anyone can be a victim regardless
of gender, race, or age. Due to this, it is important to know the signs of domestic violence. A few
of the signs that someone is being abused are someone telling their partner they never do

anything right, showing jealousy when their partner spends time with friends rather than with
them, insulting or shaming their partner in front of others, and blaming their partner for their
violent behavior. If you believe someone is being abused, reach out to them and inform them of
their options to get help.

For more information about domestic violence and resources to help those being abused,
please visit the National Coalition Against Domestic Violence’s website https://ncadv.org/.
Along with this, the International Rescue Committee is a great source to learn more about the
signs of domestic abuse https://www.rescue.org. Additionally, you can visit the Domestic
Violence Awareness Project to learn more about the importance of Domestic Violence
Awareness Month https://www.dvawareness.org/about-dv. Also, The National Domestic Hotline
is 1.800.787.3244 and is available 24/7.

If you have questions regarding any of the information mentioned in this week's article,
please do not hesitate to call my Capitol or District Office. Please always feel free to contact my
office if you have any questions or issues regarding a Texas state agency, or if you would like to
contact my office regarding constituent services. As always, my offices are available at any time
to assist with questions, concerns, or comments (Capitol Office, 512-463-0672; District Office,
361-949-4603).

– State Representative Todd Hunter, District 32

Rep. Hunter represents Aransas County and part of Nueces County. He can be contacted at
todd.hunter@house.texas.gov or at 512-463-0672.

Filed Under: Charities, Harbor Bridge, Hurricane Aide, Hurricane Relief, property taxes, Retail Tax, Scam Alert, Todd Hunter, windstorm insurance

PIBA Candidates Forum Announced

September 5, 2024 By

PIBA is excited to announce that we will be hosting a candidate forum for the 2024 Corpus
Christi City Council candidates.  All candidates running for Mayor, District 4 and At-Large will be
invited to attend.  Because of the quantity of candidates running, we will have 2 separate
forums: one for Mayor and District 4, and the second for At-Large.

Mayor and District 4 Candidate Forum:
Date: Wednesday, September 18, 2024
Location: The Island Presbyterian Church (14030 Fortuna Bay, 78418)
Time: 6pm – 8pm

At-Large Candidate Forum:
Date: Monday, September 30, 2024
Location: Seashore Learning Center (15801 SPID, 78418)
Time: 6pm – 8pm

All candidates have received a questionnaire covering a variety of personal, City and Island
related topics. Their responses will be published prior to the Forums.
The structure of the Forums will have each candidate begin with opening remarks, then the
Moderator will ask questions, and then closing remarks. Questions for the candidates can be
submitted ahead of time or during the Forum. For efficiency, though, only the Moderator will
pose questions during the Forum.

This will be an excellent opportunity for you to hear directly from the candidates. We highly
encourage everyone to attend or watch the stream. Alex Karis will oversee the stream and we
will send out instructions on how to watch prior to the Forums.

Please note that PIBA will not be endorsing any candidates.  This will be strictly informational.
A few additional points:  the deadline to apply for City Council ended on August 19.  Early voting
runs from October 21 to November 1.  Election Day is November 5.

If you have any questions, feel free to contact either Stan Hulse
bulletin@padreislandbusiness.org or JJ Hart jjhart9869@gmail.com

Filed Under: Better Business Bureau, buying a home, chamber of commerce, Mayor Paulette Guajardo, padre island events, spring break, spring cleaning, Todd Hunter, Whitecap Development Project, windstorm insurance

Flood Preparedness & Safety Tips

August 26, 2024 By

Earlier this summer, I shared important information on how to prepare in case of a
hurricane. Today, I would like to revisit that topic in relation to another type of weather
emergency with the potential to affect residents of the Coastal Bend: flooding. Given our
community’s proximity to the Texas coast, many residents may already be aware that flooding
can occur near the water or in other low-lying areas. However, as illustrated by the recent floods
in Houston, flooding is a possibility even in those areas not typically at risk for this type of
weather disaster. With this in mind, I would like to share some of the necessary steps you can
take to ensure your family is safe and prepared in case of a flood.

One of the most important ways to prepare for a weather emergency is by developing a
family disaster response plan. This can be accomplished by first identifying specific flood risk
factors such as geographical location, the structure in which you reside, and personal
circumstances such as medical conditions. Another important component of this disaster
response plan is identifying evacuation strategies in order to prevent confusion and injury in
times of emergency.

In addition to a comprehensive family disaster response plan, another key way to prepare
for a flood is by creating a disaster response kit that includes items such as flashlights, batteries,
telephones, radios, and sufficient tools in case of an emergency. Other important items to
consider are blankets, pillows, seasonal clothing, and special items for infants and the elderly. Be
sure to also include first aid supplies as well as medicines and prescription drugs. Along with
various necessities, this kit should include copies of personal documents such as insurance
information, birth certificates, along with family and emergency contact information. The
American Red Cross also recommends having a three-day supply of nonperishable food and
water on hand in case of a flood.

Protecting your home, car, and other personal property should also include ensuring you
have the right insurance coverage in case of a weather event such as flooding. The National
Flood Insurance is a pre-disaster flood program designed to reduce flood disasters. There is
typically a 30-day waiting period for most insurance policies to go into effect, which is why it is
essential to have the right coverage in place before a weather emergency occurs. You can learn
more about the National Flood Insurance program at https://www.floodsmart.gov .
In the event of inclement weather, those living in areas susceptible to flooding should pay
close attention to local emergency alerts and weather advisories issued by the National Weather
Service. These alerts and advisories are helpful in determining the risk of flooding in your area
and what, if any, action you should take. Typically, there are four key terms used that help to
indicate your risk level:

 Flood Watch: Flooding is possible due to the weather conditions in the area. Monitor
radio and television stations for more information.
 Flash Flood Watch: Flash flooding is possible. Be prepared to move to higher ground.
Monitor radio and television stations for more information.
 Flood Warning: Imminent threat of flooding in the area. If advised to evacuate, do so
immediately.
 Flash Flood Warning: A flash flood is occurring or will occur soon. Seek higher
ground on foot immediately.

When flooding occurs in your area, it is important to remember to always avoid walking or
driving through floodwaters when possible. It only takes six inches of moving water to affect the
ability to walk and two feet of water to sweep a vehicle away. Information regarding evacuation
routes and travel safety during a storm is available by calling the Statewide Road Conditions
hotline at 1-800-452-9292 or by visiting DriveTexas at https://drivetexas.org.

If you have questions regarding any of the information mentioned in this week’s article,
please do not hesitate to call my Capitol or District Office. Please always feel free to contact my
office if you have any questions or issues regarding a Texas state agency, or if you would like to
contact my office regarding constituent services. As always, my offices are available at any time
to assist with questions, concerns, or comments (Capitol Office, 512-463-0672; District Office,
361-949-4603).

– State Representative Todd Hunter, District 32

Rep. Hunter represents Aransas County and Nueces County (Part). He can be contacted at
todd.hunter@house.texas.gov or at 512-463-0672.

Filed Under: Barefoot Mardi Gras, Corpus Christ Real Estate Data, Local Schools, Mortgages, Padre Isles POA, property taxes, Real Time MLS, spring cleaning, Todd Hunter, Water Exchange Bridge, Whitecap Development Project, Whitecap NPI, windstorm insurance

Reduced Mortgage Rates Aren’t Enticing Buyers

August 4, 2024 By

Though there have been only modest increases in house buying activity, borrowing costs have dropped to their lowest point in over a year.Although mortgage rates have dropped recently, prospective homeowners are exercising caution rather than jumping back into the market to take advantage of the lower rates. According to Freddie Mac, the 30-year fixed-rate mortgage’s average rate this week was 6.47%.

The number of mortgage applications for home purchases is still notably lower, despite the fact that mortgage rates are at their lowest point in over a year. According to the Mortgage Bankers Association, applications rose by just 1% last week and are still 11% lower than they were a year ago.

Joel Kan, the MBA’s deputy chief economist, states that “despite the downward movement in rates, purchase activity only saw small gains, with an increase in conventional purchase applications offset by decreases in government purchase applications.” “In certain regions of the country, the inventory of homes for sale is starting to rise gradually, and potential reductions in interest rates may be delaying the entry of buyers into the market.”

Those who are purchasing a home are saving money, especially as compared to last autumn when the average mortgage rate was significantly higher. For instance, assuming a 20% down payment on a $400,000 property, a monthly mortgage payment at this week’s 6.47% average would equal almost $2,016, according to Jessica Lautz, deputy chief economist at the National Association of REALTORS®. However when interest rates reached a record high of 7.79% in October 2023, the monthly mortgage payment was $3,420. According to Lautz, that is almost $285 more per month than the prices as of this week.

She continues, “Weekly mortgage rates are at their lowest level since May 2023.” The largest drop in mortgage interest rates in a single week has occurred in the last nine months. Those who refrained from purchasing a home while waiting for interest rates to drop: those rates have now dropped.

According to senior economist Sam Khater of Freddie Mac, the drop in mortgage rates should start to entice potential homebuyers and “pique their interest in making a move.” Furthermore, some current homeowners are already taking advantage of the opportunity to refinance thanks to the rate cut; the market share of mortgage applications for refinancing has reached nearly 42%, the largest since March 2022.

Article created from NAR

Filed Under: Mortgages, North Padre Island Beaches, North Padre Island Marina, North Padre Real Estate, Padre Island Business Association, Real Time MLS, realtors, rentals, selling a home, Whitecap NPI, windstorm insurance

PADRE ISLAND HOUSING REPORT – JUNE 2024

July 13, 2024 By

Corpus Christi Association of Realtors has posted the Padre Island Corpus Christi Housing Report for June 2024.

Our active listing median prices have risen the past month to $476,000 which is actually a 10.8% increase from where it was compared to last June at this time! CCAR shows us the data that has risen for active listings t0 49.3% with a total of 327 properties this past month compared to June 2023 while inventory also rose to 10.5 compared to 4.3 last year at this time.

Days on the market for sale decreased this past month with an average of 81 days and the highest categories for sales with 32.4% of all the sales being priced between $500,000 – $749,999. The market is very stable so far into 2024 with properties available across many pricing areas. Padre Island’s newest development Whitecap NPI is open for sales of their lots in Phase 1, Contact Coastline Properties Agent Ms. Amber Spicak at their office for all pre-sales. amber@coastline-properties.com

Forecasts for the June Consumer Price Index report agree that overall inflation continued to soften in June, thanks to falling prices for energy and used cars. Inflation has fallen dramatically from its peak of 9.1% in 2022. Still, the Federal Reserve has said it is awaiting more confidence that price pressures are easing toward its target before it begins to cut interest rates and loosen monetary policy.

Cheri Sperling is the owner of Coastline Properties with a dedicated team of agents specializing in residential listings, sales, and property management in the Padre Island Corpus Christi real estate market. Coastline’s team is the most knowledgeable real estate office on Padre Island. No pressure style, patience, and an intimate understanding of the local market. They go to work for you!

 

Padre Island Corpus Christi June 2024 Data (Click Pic below for Larger Image)

padre-island-corpus-christi-housing-report-June-2024

Filed Under: buying a home, Corpus Christ Real Estate Data, corpus christi, mustang island, New Homes Padre Island, North Padre Island, North Padre Real Estate, Padre Island Business Association, Padre Isles POA, property taxes, selling a home, Whitecap Development Project, Whitecap NPI, windstorm insurance

BBB Scam Alert

July 1, 2024 By

BBB Scam Alert: Young adults and recent graduates are common targets for employment scams!

The summer season is an exciting time for many young adults as they enter the workforce
following high school or college graduation. Unfortunately, not all job postings found online
are legitimate and many fraudulent employers specifically target young adults with entry-
level professional positions that offer a high salary and flexible working hours.
BBB’s 2023 Scam Tracker Risk Report found employment scams are the second riskiest
consumer scam in the nation with a median loss of $1,995 and a 5% increase in exposure
as compared to the previous year. In Texas, consumers reported more than $750,000 lost
to these scams since 2023. Across all age groups, employment scams tend to impact those
between 18-34 years old the most.

While the majority of reports BBB receives are regarding fraudulent employers promoting
data entry or package reshipment positions, graphic designer, secret shopper, and human
resources offers are also frequently used. All reports include a work-from-home or remote
working capability, often with flexible working hours and an hourly or monthly pay
significantly higher than standard.

Contact is made most often through email from someone claiming to represent a made-up
or impersonated company who came across the recipient’s email through a job board,
LinkedIn, or in response to an application they sent in. Shortly afterward, the conversation
will move to an online messaging system such as Skype or Telegram to arrange and
conduct an interview. The interview is conducted entirely through text and finishes with an
immediate job offer starting the very next day. After accepting the job offer, employment
scams progress down different paths depending on the position and industry.

To help identify fraudulent jobs for the most common types of positions, BBB provides the
following breakdown for two broad categories:
Data Entry, Administrative Assistant, Clerical or Secretarial Positions
Fake checks are a common tactic for these positions in an employment scam. Once an offer
is accepted, the scammer claims that the company will provide them with a check they can
use to set up their home office. The check is either emailed or mailed directly to the
employee’s address, and they follow instructions to deposit it into their account and provide
proof afterward.

Once deposited, the scam may progress down two different paths:
 The representative claims that a mistake on the check resulted in the employee
being overpaid. They often blame this on a logical typing error, such as accidentally
adding an extra zero, so $300 became $3,000. The scammer asks the new employee
to return the extra money immediately through a direct payment method such as
mobile banking app, gift card or wire transfer.
 The representative will direct the employee to a third-party vendor they must use to
purchase their office equipment. The website often appears legitimate, and the
employee can easily find all the required products. When it comes time to pay, the
total cost precisely matches the amount of money provided in the check, and the
employee inputs their banking information to finalize the purchase.
In either case, the victim's bank eventually detects the check as a fake, and the employee
loses the amount of money they returned or used to purchase the office equipment, which

is never received. When they try to contact the representative again, all messages go
unanswered and social media profiles previously used to establish credibility are
deactivated. Additionally, banks often freeze, or in worst cases cancel, the accounts
associated with a fraudulent or counterfeit check deposit as a precautionary measure,
resulting in additional challenges the victim must overcome when recovering.
Package Reshipment, Quality Inspection or Product Distribution Positions
All these positions require from an applicant is a valid home address and their time, making
them very appealing to a wide range of people. They often advertise a base monthly pay
between $2,000 – $4,000, with additional bonuses per package shipped to its next
destination. Most victims who encounter this scam receive and ship packages as they expect
until it comes time for their first paycheck – only they never receive any money. When they
attempt to log in to an employee dashboard, they find their account locked and all their
messages go unanswered.
According to the FBI, reshipping scams can involve con artists who use stolen credit cards to
buy expensive items. Instead of shipping the item directly to their address, they use a “re-
shipper” to send the package overseas. Package reshipment positions may also be handling
stolen goods or laundered money, resulting in victims of this scam unknowingly
participating in illegal activity.

Avoiding Employment Scams
Evaluate work-from-home opportunities. The transition to remote work has created
many opportunities for legitimate and fraudulent businesses. While many work-from-home
job openings are honest, it is essential to critically evaluate the hiring process of any
company offering this type of employment. Be wary of companies that require the applicant
to download a specific mobile app to communicate, conduct the entirety of the interview
through text or chat, or do not provide a physical address for the business.
Verify contact details. BBB recommends verifying that the address provided matches the
business and that the phone number is in service. It is common for scammers to use
addresses for vacant lots or other companies and a phone number that is either fabricated
or not in service. At a minimum, verify that at least two contact methods will get you in
touch with company representatives.

Research the company. Spend time researching a company's reputation and legitimacy
before agreeing to work for them. Check BBB.org to see if they are listed, and search online
for reviews from previous employees or customers. If the offer is coming from a well-known
company, check their official job board to verify the position is listed and use the posted
contact methods to reach out to the hiring team.

Be wary of immediate offers and start dates. Any pressure to sign or onboard
immediately indicates that the company may not be legitimate. Choosing a place to work is
an important decision that most legitimate companies understand requires time to consider.
Be especially wary if the position is offered without an interview or promises a significant
income if the employee pays for coaching, training or certifications. If the hiring team
threatens the job will go to the next candidate unless you make an immediate decision, it
might be best to walk away.
For more information visit BBB.org.

Filed Under: Better Business Bureau, buying a home, chamber of commerce, Charities, Golf Cart Rules, Hurricane Aide, Hurricane Hanna, Mortgages, mustang island, Packery Channel, property taxes, Scam Alert, selling a home, spring cleaning, Water Exchange Bridge, Whitecap Development Project, Whitecap NPI, windstorm insurance

Corpus Christi’s Long-Term Water Needs

May 5, 2024 By

Addressing Corpus Christi’s Long-Term Water Needs

By Drew Molly, P.E., Chief Operating Officer of CCW

We all need water to survive, and communities are no different. Without water, communities are not able to
grow and thrive, let alone survive, so its importance to all of us cannot be overstated.
As a coastal community, Corpus Christi has a long, rich history, but none of this would have been possible
without the availability of fresh water. For years, communities in the Coastal Bend have relied on rivers and
manmade reservoirs to meet all of their water needs. However, as more people and businesses have found
their way to our region, this has put greater demands on all public services, including the availability of water.
Only relying on Mother Nature to consistently provide enough rainwater for Corpus Christi to prosper and
grow is no longer a viable solution. This is especially the case when considering the prolonged drought in our
Nueces River Watershed, and the direct impact it has on the reservoir levels of Lake Corpus Christi and Choke
Canyon.

Unfortunately, both the near- and long-term outlooks for getting enough rainfall to address the ongoing water
shortage are not promising. This is why many communities in South Texas are looking at ways to secure
reliable, drought-proof sources of water. Corpus Christi is leading this effort by proceeding with plans to build
a seawater desalination plant along the Inner Harbor that, when operational, will supply up to 30 million
gallons of clean water daily.

Adding this amount of new water to the current system is significant, as CCW (Corpus Christi Water) is
responsible for supplying water to more than 500,000 people in seven counties in the Coastal Bend. The city’s
existing sources of water – the Nueces, Lavaca Navidad and Colorado rivers and related reservoirs – will
remain important, but the addition of a high-capacity desalination plant that consistently generates millions of
gallons of clean, drinkable water will positively counteract the impacts that droughts are having on the system.
It should also be emphasized that the Inner Harbor Seawater Desalination Treatment Plant will be a much
needed second water treatment plant. The entire region depends on one water treatment plant, which was
constructed in 1954 and had one additional treatment module added in 1981. While this facility continues to
operate well, it is time for the Region to add a second facility that provides a completely new and drought-
proof water supply.

The stakes are high, but much thought and research has gone into the process, which is nearly 20 years in the
making. Besides adding much-needed water to the local supply, the new desalination plant will be fully
integrated into the city’s existing infrastructure and regional system, as well as lead to improvements in the
local power grid and create an estimated 3,500 construction-related jobs.
This is all being done in a fiscally responsible, sustainable way that ensures we have a resilient water supply for
years to come. Great care is also being taken to be environmentally responsible. In short, we are utilizing
science and data to make sure the project is safe for sea life and will have minimal impact on our existing
waterways.

Bottom line, seawater desalination is a sustainable and responsible solution that not only helps us meet the
city’s current and future demands for water, but it also provides a reliable, cost-effective and drought-proof

source of water for years to come using technology that is currently being used worldwide by many other
communities. To learn more about this important project, visit www.desal.cctexas.com.

Filed Under: Better Business Bureau, Corpus Christ Real Estate Data, corpus christi, Corpus Christi Foreclosures, Holiday Parties, Hurricane Aide, Local Food, Mortgages, mustang island, North Padre Island, North Padre Real Estate, Padre Island Business Association, padre island events, port aransas, Whitecap Development Project, Whitecap NPI, windstorm insurance

BBB Tip: Recovering from freezing temperatures while avoiding

February 26, 2024 By

BBB Tip: Recovering from freezing temperatures while avoiding unethical contractors and utility impostors

Over the weekend, plummeting temperatures and wintry weather mixtures have struck
communities across Texas, with many residents experiencing power outages, ruptured water
lines, hail damage, fallen tree limbs, or other issues due to below-freezing temperatures. As
home and business owners begin to thaw out in the coming days, many will discover a
variety of problems resulting from the sudden cold snap. While some homeowners can
easily handle cleanup and repair efforts, others will likely require the help of a professional.
Additionally, other residents may begin to piece together facts and receipts to learn they
interacted with an impersonated utility company that demanded immediate payment or a
fraudulent online seller advertising winter weather and emergency products.

After significant weather events that are likely to result in property damage, Better Business
Bureau typically receives an increase in reports of unethical contractors operating across
affected regions. Commonly referred to as ‘storm chasers,’ many businesses offering
services to residents negatively impacted by severe weather are well-respected and
legitimate. However, among these groups are those who would take advantage of a
homeowner in need rather than provide any meaningful service.

Some common issues reported to BBB in these types of situations include:
 The contractor requires a significant deposit (over 50% of the total estimate) from
the property owner and then continually postpones the start date until
communication stops. Any effort by the homeowner to contact the business is
unsuccessful, and the business’s physical location is either too distant to travel to,
abandoned, a residential home for sale, or a vacant lot.

 The homeowner is approached by a contractor who claims they have excess material
left over from a nearby project, and the business can pass the savings on to the
homeowner if they can start work immediately. Once the contractor begins the
project, the scope of work expands far beyond what was initially estimated, and the
homeowner is held accountable for paying a final bill that is significantly more
expensive than they expected.

 Repairs on systems requiring specialized work (plumbers, electricians, HVAC
technicians, etc.) are done by an unlicensed individual, leaving the homeowner liable
if the contractor did not do the repairs correctly or did not comply with the applicable
housing codes.

Property owners are encouraged to verify that the provided licenses are valid by checking
with the appropriate regulatory agency. In Texas, the Texas Department of Licensing and
Regulation and the Texas Department of Agriculture are two of the most likely agencies that
hold licenses for businesses that property owners may call upon to help recover from
freezing temperatures.

Decreasing temperatures also allow utility scammers to take advantage of people’s fears of
being without heat during the cold weather. Be wary of texts, phone calls or emails from the
utility company that services your area claiming that they will shut your heat off
immediately unless an outstanding bill is paid. According to the Public Utility Commission of
Texas, an electric utility company cannot disconnect a customer anywhere in its service area
on a day when:

The previous day’s highest temperature did not exceed 32 degrees Fahrenheit, and
the temperature is predicted to remain at or below that level for the next 24 hours,
according to the nearest National Weather Service (NWS) reports.

Filed Under: Better Business Bureau, Breast Cancer, Charities, corpus christi jobs, cybersecurity, hispanic chamber of commerce, Hurricane Relief, Investment Property, Scam Alert, spring cleaning, windstorm insurance

BBB Business Scam Alert: Entrepreneurs beware of fake marketing services for small businesses

November 25, 2023 By

Small business owners are passionate, dedicated individuals who have accumulated years of
expertise in an industry. Through time and experience, they often have found ways to
improve processes and use that knowledge to the benefit of their customers and clients.
However, one aspect of business ownership they may not be as familiar with is marketing.
Many small business owners turn to marketing agencies and firms to handle their online
presence or advertisement needs. Unfortunately, the demand for these services opens the
opportunity for scammers to take advantage of small business owners. BBB Scam Tracker
receives multiple reports across the nation of phony businesses tricking small business
owners into signing monthly contracts for services that are never rendered.

How the Scam Works
A small business owner seeking a low-cost marketing service discovers a company that
offers exactly what they are looking for. The company may claim to offer public relations,
search engine optimization or other general marketing support for a low monthly fee, often
promising amazing results.

Once a small business owner signs up and submits payment, the company becomes difficult
to communicate with. They may constantly postpone or delay promised marketing
materials, such as social media posts, graphics or logos. In many cases, getting in touch
with the company once payment has been processed becomes nearly impossible and
attempts to cancel the service go unanswered, requiring the business owner to cancel the
card associated with the account.

How to Spot Fake Services
Research companies thoroughly before hiring. Spend the time to research and get to
know the company well before contacting them. Make sure their website is professional and
their social media accounts are real. Search for customer complaints and reviews about
their services on BBB.org. Legitimate marketing companies take pride in their digital
presence because it is often the most-requested service of their clients and provides an
opportunity to demonstrate their capabilities. Use this chance to evaluate how the company
positions or advertises itself and whether it would be a good fit for your business needs.
Check the contact information. If the company possesses both a social media presence
and a professional website, be sure to check for their contact information. If the company
has no telephone number or physical address, that is a sign it may not be legitimate. If a
telephone number is listed, call it to make sure it is in service and verify the physical
address is associated with the company name by searching online. Scammers will often use
the addresses for vacant properties for their own purposes.

Reach out to references. Reach out to the references provided by a company to verify
they have not been fabricated. Make certain it is possible to contact the people on the list
and research their names online to make sure they are real people with legitimate small
businesses. Keep in mind that online testimonials posted on websites or on some review
platforms can be fabricated. Learn more about BBB’s review vetting process on BBB.org.

Understand what you are paying for. A reputable company will be able to clearly
describe their services and the expected timeline to receive marketing materials before a
potential customer pays for those services. Spend the time to understand the services, their
scope, how they will be delivered (email, mail, social media posting, etc.) and when they
will be provided. If any of these elements are unclear or if details about payments are
vague, look elsewhere for services.

Use protected payment methods. Be cautious of any company that insists on payment
for services by wire transfers, gift cards or pre-paid debit cards. If someone demands
payment in one of these ways, it is probably a scam. Even if using a trusted company, BBB
recommends always paying with a credit card for the additional protections it provides in
case problems arise and you would like to dispute charges.
For more information visit BBB.org/BizHQ.

Filed Under: Better Business Bureau, chamber of commerce, Corpus Christ Real Estate Data, corpus christi business, corpus christi jobs, cybersecurity, hispanic chamber of commerce, Mortgages, North Padre Real Estate, padre island events, property taxes, Real Time MLS, Restaurants, Retail Tax, windstorm insurance

BBB Scam Alert: How to spot a credit check scam when apartment shopping

September 25, 2023 By

Planning a move this summer? According to multiple BBB Scam Tracker reports, scammers
are using a new twist on fake rental ads to trick potential renters into compromising
sensitive personal information. While credit checks are a routine process many landlords
and rental companies use to evaluate potential renters, fraudulent rental listings are being
used to direct interested tenants to a website that requires personal information to run a
credit check. Unfortunately, the website is a data-mining operation that collects and sells
the information provided to the highest bidder, placing people who use it at an increased
risk of having their identity stolen.

Most often encountered while browsing rental listings online, scammers entice victims by
advertising a rental unit or home at prices significantly lower than what is typically found in
the area. They may claim to represent an established property company or an individual
landowner searching for trustworthy tenants. The listing often includes pictures, videos,
layouts, and other specifics that renters expect to see included in a rental advertisement.
Unfortunately, most of these pictures are either fabricated or stolen from a legitimate
listing, and the supposed landowner quickly disappears after the applicant submits their
information to the credit check website.

One consumer reported to BBB Scam Tracker they “gave my name, address and Social
Security Number to obtain my credit score from this website. I was asked to take a
screenshot of my score and send it to the same address that emailed me the link.
Afterward, I was sent an email with a showing time, but the house number was not listed on
this email or the listing on Craigslist.” All additional attempts to call and email the supposed
landowner went unanswered.

To avoid credit check rental scams, Better Business Bureau recommends renters:
Be wary of lower-than-usual prices. If the rent for an apartment or home is significantly
less than the going market rate for the area, consider it a red flag. Scammers often draw
people in with claims that sound too good to be true. Spend the time to compare the price
with other similar rental properties in the area to make an informed decision.
Do some research. Search the listing online through multiple sources using the associated
phone number, email address or physical address. If you find another listing for the same
property in a different city, you’ve spotted a scam. Reverse image searches can be helpful to
determine if the photos have been stolen from another listing, as well as searching for the
landowner’s name to check if anyone else has encountered a scam when interacting with
them.

Always see the property in person. Many rental scams involve listings for properties that
don’t exist, are vacant lots, or are for sale. Be very wary if the property owner refuses to
disclose the rental property's location before you complete a credit check or pay them a
deposit. If the address provided is for a house that has a ‘For Sale’ sign in the yard, be
cautious because you might not be in contact with the actual owners.
Verify the property owner’s information. Contact a licensed real estate agent to see
who owns a property or check the county’s property appraiser website. Ask the property
owner for a copy of their ID to verify they are who they claim to be before you offer
sensitive information like your Social Security Number for a credit check.

Be cautious about credit check websites. Scammers are well-versed in making websites
appear legitimate and often create fake testimonials and reviews. Use reputable sources to
prove credit history, such as AnnualCreditReport.com or consumer reporting companies
listed by the Consumer Financial Protection Bureau.
For more information about how to avoid scams while moving and renting,
visit BBB.org/Moving.

Filed Under: Better Business Bureau, chamber of commerce, Charities, COVID-19 Virus, cybersecurity, North Padre Island, Padre Island Business Association, padre island events, Padre Isles POA, property taxes, spring cleaning, Todd Hunter, windstorm insurance

2023 Home Improvement Tips

May 25, 2023 By

Create a Budget.  Most home improvement projects end up being over budget by 10%. To avoid costly surprises during the process of improving your home, be sure to reserve 10-15% of your budget to cover unknown expenses.

Get Multiple Estimates.  It’s important to meet with at least three contractors and request detailed estimates in writing from each. Be sure to walk with them through your home to show them the exact project for the most accurate estimate.

Contact References.  One of the most important steps in the home improvement process is contacting a contractor’s references. The best way to avoid disappointing or unfinished work in your home is to contact references and ask if the contractor performed quality work on time and within budget. Did any issues arise, and if so, how were they taken care of?

Check With BBB.  Always search for a contractor or home improvement business at bbb.org to find out important business information, read reviews or complaints, and make sure they’re a legitimate business. Don’t forget to check the licenses and registration status of any contractor you hire to do work in your home.

Review the Contract.  Make sure the contract is written, dated, and signed by both you and the contractor. Be sure the contractor provides the start date and the date of “substantial completion.” The contract must provide a detailed description of the work to be done and materials involved. Laws vary between states so be sure to review what is legally required to be in your contract per your state.

Verify Insurance.  Ask for the contractor’s Workers’ Compensation Insurance Coverage sheet proving the insurance is in place, as well as the coverage page for the Commercial General Liability policy (CGL). Request that the contractor add you as an additional insured on the policy to protect you if a worker injures himself on your property.

Check the Permits.  Always check to make sure the contractor has obtained all building, plumbing and electrical permits required. If a contractor avoids pulling the permits himself, this is a major red flag.

Stay Up-To-Date.  If any changes arise that involve an increase in cost or change in work, ask the contractor for a “change order” to fill out and sign. It should provide the original contract price, a detailed description of the new work, its cost, and the updated total, signed and dated by both parties.

Red Flags

Door-to-Door Contractors.  If a contractor appears on your doorstep and claims they are doing work in your neighborhood or they have “extra materials,” it’s best to decline any offer for work. Reliable businesses will give you time to do your research before committing.

Pulling Permits.  If a contractor asks that you pull the permit for your home improvement project, it may be a red flag that the contractor isn’t properly bonded and insured. Legitimate contractors are responsible for getting all required permits for the job.

Payment Upfront.  If a contractor asks for payment upfront, this is a major red flag. Never pay a contractor in cash, use a credit card or check. A trustworthy contractor should accept a payment plan of one-third upfront, one-third halfway through completion, and one-third when the project has been successfully completed.

Using a Lender.  If a contractor pressures you into using his preferred lender, this is typically a red flag. If you need to take a loan out to pay for the project, research lenders on your own and be sure to review interest fees, terms of agreement, and more.

Inaccessible. If you can’t verify the contractor’s contact information, location, or credentials, this is a major red flag. You should be able to find information online about the contractor, his business, and his contact information.

Article Published via Better Business Bureau 

Filed Under: Better Business Bureau, chamber of commerce, corpus christi business, Local Schools, North Padre Island, Scam Alert, selling a home, windstorm insurance

PADRE ISLAND HOUSING REPORT – APRIL 2023

May 15, 2023 By

Corpus Christi Association of Realtors has posted the Padre Island Housing Report for April 2023. Our active listing median prices dipped slightly the past month to $390,000 this past month which is 0.8% less than where it was compared to last April at this time!
CCAR shows us the data that significantly rising for active listings by 62.8% with a total of 166 properties this past month while inventory Has risen at 3.6 compared to 1.8 last year during the month of April.

Days on the market for sale are increasing from last month with an average of 88 days and the highest category for sales with 36.0% of all the sales being priced between $300,000 – $399,999. The market is staying quite strong as we move closer to summer. The consumer price index rose 4.9% in April 2023, the smallest increase in two years, the U.S. Bureau of Labor Statistics said Wednesday in a monthly inflation report. The FED still showing signs of inflation continue to slow down if not holding steady. The Summer Housing market is right around the corner, and we are anticipating an extremely busy season.

Cheri Sperling is the owner of Coastline Properties with a dedicated team of agents specializing in residential listings, sales, and property management in the Padre Island real estate market. Coastline’s team is the most knowledgeable real estate office on Padre Island. No pressure style, patience, and an intimate understanding of the local market. They go to work for you!

 

Padre Island April 2023 Data (Click Pic below for Larger Image)

padre-island-housing-report-february-2023

Filed Under: BeachWalk Development, Corpus Christ Real Estate Data, corpus christi, home maintenance, Investment Property, Mortgages, Padre Island Business Association, Palmilla Beach Resort and Golf Club, realtors, selling a home, Water Exchange Bridge, Whitecap Development Project, windstorm insurance

Scam Alert: Home title fraud

April 27, 2023 By

Home title fraud happens when someone obtains the title to your property and changes ownership from your information to theirs.  The scary part is, you may not even realize it has happened until it’s too late.

How the Scam Works:

Scammers will choose a house, sometimes a second home, rental or vacant house. They then gather your personal information from the internet or elsewhere, and take over your identity to assume the role of property owner or claim to represent you.  They file the necessary paperwork to transfer ownership of your property to themselves, using forged signatures and fake identification. They then sell the home or borrow against the equity.  You might not even know this has happened until a lender starts to send letters of foreclosure on your home due to failure to make payments.

Protect Yourself Against This Scam:

  • Be careful with your personal information. Treat your personal information like the valuable commodity it is. Make sure you shred any documents that have your bank account information, Social Security/Social Insurance number, or other personal information. Be suspicious of any unsolicited communication asking for personal information.
  • Check your credit reports regularly for unauthorized inquiries and accounts. In the U.S., you have the right to check your credit report with each of the three major credit bureaus once per year at AnnualCreditReport.com. This is the only free crediting reporting service authorized by the Federal Trade Commission. Space these checks out across the year, and you will know fairly quickly if something is wrong. In Canada, the Financial Consumer Agency of Canada provides information on requesting a free credit report.
  • Look for unexplained withdrawals, charges, and accounts. Review your bank account and credit card statements regularly. Look for unfamiliar charges, accounts, or withdrawals. Know when your bills are due; one tip-off for identity theft is when you stop receiving certain bills. This can happen because scammers have changed the address associated with your bank account or credit card. If bills don’t arrive on time, follow up with your creditors. Debt collectors may call you about debts that aren’t yours. You can also set up automatic alerts on your accounts so you are notified every time a transaction is made.
  • Check with your local recorder of deeds. Look for deeds that you or anyone representing you did not prepare or sign, periodically.  Make sure they have the correct mailing address for you.  Some counties provide consumer notification services any time a document is recorded on your property.

If your identity has been stolen:

  • File a complaint with the Federal Trade Commission. The Federal Trade Commission recommends that you create an ID theft report, if your ID is stolen. This report will help you deal with the credit reporting agencies and companies that extended credit to the identity thief using your name. First, report the crime to the FTC and print a copy of the details. Contact FTC at 1-877-ID-THEFT (438-4338) or Identitytheft.gov.
  • File a report with local law enforcement. Keep all records of your case, police reports and supporting documents; these may be needed by credit card companies or banks to prove innocence.
  • File a report with the FBI: Contact the Internet Crime Complaint Center (IC3): ic3.gov.
  • Place a “fraud alert” or “freeze” on your credit reports.Contact the fraud departments of each of the three major credit reporting agencies. Let them know you’ve been a victim of identity theft and ask questions—including what protection is provided and if there are any costs—to determine whether a fraud alert or freeze is best for your situation.
  • Notify all credit grantors and financial institutions.Check the status on existing accounts, as they may have been jeopardized. Find out if there is any unauthorized activity or new accounts have been fraudulently opened in your name. You may be advised to close some or all of your accounts. Create new passwords and change your PINs.

Read more about housing scams in BBB’s Scam Alert on Foreclosure Rescue Scams.

If you encounter a scam, we ask that you report it to our BBB Scam Tracker at BBB.org/scamtracker, and you can learn more about common scams at BBB.org/scamtips.

Sign up for BBB Scam Alerts.

Read more about BBB Accreditation Standards and BBB Standards for Trust.

Better Business Bureau Serving Acadiana contributed to this article.

Filed Under: Better Business Bureau, buying a home, Corpus Christ Real Estate Data, corpus christi jobs, Investment Property, Mortgages, New Homes Padre Island, Scam Alert, spring cleaning, windstorm insurance

National Diabetes Awareness Month

November 4, 2022 By

Every year the month of November is recognized as Diabetes Awareness Month. The purpose of this month is to raise awareness regarding the disease since millions of Americans live with diabetes. According to the American Diabetes Association, 37.3 million Americans have diabetes. Additionally, 96 million people are categorized as pre-diabetic which is a condition where glucose levels are higher than normal but not yet high enough to be considered diabetes. This is an important month to learn about diabetes due to the high number of Americans diagnosed with diabetes.

The objective of Diabetes Awareness Month is to increase public knowledge of diabetes. There are two types of diabetes. The first is Type 1 which accounts for 5-10% of all diabetes and is typically diagnosed in children and young adults. Type 1 diabetes occurs when the body does not produce insulin. The exact cause of Type 1 diabetes is unknown, but it is generally thought to be caused by a combination of genetics and an immune system disorder that affects insulin-producing cells in the pancreas. Individuals with Type 1 diabetes are generally required to monitor their blood sugar levels closely and take insulin daily to survive. The other form of diabetes is Type 2 diabetes which is the most common form of diabetes. Type 2 diabetes develops over time and occurs when the body becomes insulin resistant, meaning it is unable to process insulin properly.

Currently, there is no cure for diabetes. However, Type 2 diabetes can be manageable and, in some instances, preventable. According to the American Diabetes Association, Type 2 diabetes can be managed by taking prescription medicines, following a healthy eating plan, reducing tobacco use, and exercising to ensure blood sugar levels are kept within a healthy range. Similarly, those who are pre-diabetic or who are at a high risk of developing Type 2 diabetes can delay or even prevent the onset of the disease by making changes towards living a healthier lifestyle.

For more information about diabetes, please visit the American Diabetes Association www.diabetes.org.

Additionally, you visit the Texas Department of State Health Services to learn more about treatments for diabetes https://www.dshs.texas.gov/txdiabetes/.

If you have questions regarding any of the information mentioned in this week’s article, please do not hesitate to call my Capitol or District Office. Please always feel free to contact my office if you have any questions or issues regarding a Texas state agency, or if you would like to contact my office regarding constituent services. As always, my offices are available at any time to assist with questions, concerns or comments (Capitol Office, 512-463-0672; District Office, 361-949-4603).

– State Representative Todd Hunter, District 32

Rep. Hunter represents Aransas County and part of Nueces County. He can be contacted at todd.hunter@house.texas.gov or at 512-463-0672.

Filed Under: BeachWalk Development, Better Business Bureau, chamber of commerce, Charities, realtors, Scam Alert, spring cleaning, Todd Hunter, windstorm insurance

BBB Tip: Donating wisely during Breast Cancer Awareness Month

October 24, 2022 By

Every October, countries worldwide observe Breast Cancer Awareness Month, focused on
increasing support and awareness of the most common cancer affecting women worldwide.
According to the Centers for Disease Control (CDC), breast cancer is the most common
cancer affecting women in the United States. In Texas, more than 19,000 new breast cancer
cases were diagnosed in 2019.

While medical advancements have continued to increase the survivability of those suffering
from breast cancer in high-income countries to a five-year survival rate of 90%, inequalities
in early detection, access and quality of care have resulted in a 66% survival rate in India
and a 40% rate in South Africa, according to the World Health Organization. Much work
remains to advance research efforts to find a cure and increase survivability worldwide, and
Breast Cancer Awareness Month is a great time to raise funds for the cause.

There are countless ways to contribute, and consumers help raise millions of dollars each
year, often by purchasing “pink ribbon” items. Many donors also contribute directly to a
charity focused on breast cancer. However, just because a charity is advertising that
proceeds benefit breast cancer research or awareness does not automatically mean you are
donating wisely. When deciding which charity to donate to, be sure to ask critical questions
such as:

 How much money goes to breast cancer programs and services?
 What breast cancer programs or services are supported by the organization?
 Is the money being used for breast cancer awareness, treatment or research?

If awareness, what are the efforts made to raise awareness, and to what effect? If
research, what aspects of breast cancer are being researched, and how are the
findings contributing to ending breast cancer? What is the charity doing to assist the
medical professionals treating those who have breast cancer?
BBB recommends exercising caution when choosing a charity to support and offers the
following tips from BBB’s Wise Giving Alliance:

Shop smart. Some companies donate a portion of the sale of specific items designated with
pink ribbons or packaging. When shopping for “pink ribbon” items, see if the promotion is
transparent about which charity it will benefit and how much of the purchase will be
donated. Watch out for vague claims of proceeds benefiting unspecified charities.

Check the charity. Charities accredited with BBB Wise Giving Alliance meet the 20 BBB
Charity Standards. If you are considering donating to a charity that is unfamiliar to you, go
to Give.org to view its charity report or find trustworthy organizations. When researching a
charity, pay close attention to its name, as some questionable charities may use names
similar to those of established organizations.

Participate carefully. Some charities host fundraising events in addition to marketing
promotions. If this interests you, gather all the important information before signing up. Is
there a participation fee or are you required to sign up a minimum number of sponsors? Is
the event being hosted in person or virtual? Always research the charity or group organizing
the event before you register.

Take action. If your preferred charity is not holding any events or promotions during
Breast Cancer Awareness Month, contact them directly to see how you can volunteer or
donate on your own time. Every type of contribution helps!
To view charity reports and find more wise giving tips, visit Give.org.

Filed Under: Better Business Bureau, Charities, COVID-19 Virus, cybersecurity, property taxes, Scam Alert, windstorm insurance

September 2022 -Suicide Prevention Month

September 8, 2022 By

September is recognized as Suicide Prevention Month. According to the National Alliance on Mental Illness, suicide is the second leading cause of death among people between the ages 10-34. In addition to this, suicide is the 12th leading cause of death in the United States. Along with this, the National Alliance on Mental Illness reports that 46 percent of all people who lose their lives through suicide had been diagnosed with a mental illness. The purpose of Suicide Prevention Month is to promote suicide prevention awareness and to spread knowledge about resources available for those who struggle with mental illness. Suicide Prevention Month is important because this month is dedicated for people to come together and discuss suicide which can be a difficult topic to speak about.

Although historically there has been a stigma surrounding the topic of suicide, it is important for people to discuss. Taking part in open conversations about suicide lessens the stigma around suicide which leads to people who are struggling to reach out and ask for help. According to Suicide Prevention Lifeline, people who are experiencing suicidal thoughts feel relief when people ask them about their mental health. Furthermore, discussing mental health can reduce suicidal thoughts.

According to the National Alliance on Mental Illness, suicide rates have increased 35 percent since 1999. Due to increasing suicide rates, it is important to be aware of the signs of struggling mental health since suicide is preventable. Some of the warning signs for suicide include new behaviors such as increased use of drugs or alcohol, extreme mood swings, talking about being a burden to others, and withdrawing or isolating themselves. While these signs cannot predict whether a person will attempt suicide, knowing the signs and reaching out to a person who is struggling can make a positive impact in their life.

For more information about Suicide Prevention Month, please visit Suicide Prevention Resource Center. https://www.sprc.org/

Along with this, Suicide Prevention Lifeline is a wonderful resource to learn more about suicide, the warning signs, and risk factors. https://suicidepreventionlifeline.org/

Additionally, you can visit the National Alliance on Mental Illness to learn more about mental illness and suicide. https://www.nami.org/get-involved/awareness-events/suicide-prevention-awareness-month.

If you have questions regarding any of the information mentioned in this week’s article, please do not hesitate to call my Capitol or District Office.  Please always feel free to contact my office if you have any questions or issues regarding a Texas state agency, or if you would like to contact my office regarding constituent services. As always, my offices are available at any time to assist with questions, concerns, or comments (Capitol Office, 512-463-0672; District Office, 361-949-4603).

– State Representative Todd Hunter, District 32

Rep. Hunter represents Aransas County and part of Nueces County.  He can be contacted at todd.hunter@house.texas.gov or at 512-463-0672. 

Filed Under: cybersecurity, property taxes, Retail Tax, Scam Alert, spring cleaning, Todd Hunter, windstorm insurance

Padre Island Housing Report – June 2022

July 19, 2022 By

The Local Real Estate Market active listings have jumped up by 36.7% the past month!
Corpus Christi Association of Realtors continues to show us the data that leans toward Prices slightly Rising in median price homes while Inventory Has been rising the past month.

Days on the market for sale have stayed steady at an average of 79 days on the market. 28.8% of all the sales in March were priced between $300,000 – $399,999. The Median Price of homes has risen additionally by 1.8% to a price of $420,000 compared to the same month in 2021. The market is stable at the moment, the fed will make its rate decision by next week and this could influence the buyers out there to make their decisions before summer’s end.

Many of us brokers have seen it all before, Coastline has been weathering the conditions of different markets since 1995. It’s a good time to get prepared and if you are a homeowner currently as we are now in Hurricane Season, it’s a great time to make sure your insurance and plans are in order for a potentially big season of storms ahead according to NOAA.

Cheri Sperling is the owner of Coastline Properties with a dedicated team of agents specializing in residential listings, sales, and property management in the Padre Island real estate market. Coastline’s team is the most knowledgeable real estate office on Padre Island. No pressure style, patience, and an intimate understanding of the local market. They go to work for you!

 

Padre Island June 2022 Data (Click Pic below for Larger Image)

padre-island-housing-report-april-2022

Filed Under: buying a home, Corpus Christ Real Estate Data, home maintenance, Investment Property, Mortgages, New Homes Padre Island, North Padre Island, realtors, selling a home, windstorm insurance

The Month Of June Is Alzheimer’s And Brain Awareness Month

June 8, 2022 By

This year, the month of June has been designated as Alzheimer’s & Brain Awareness Month. When people think of being healthy, generally we think of our external physical health. However, officials with the Alzheimer’s Association want to remind everyone that mental health is just as important. Alzheimer’s & Brain Awareness Month began as a way to bring attention to different brain diseases, educate communities about their effects, and provide support to those individuals and families struggling with this condition.

Brain disorders come in several forms. Dementia is the general term used to describe a decline in mental ability that is severe enough to interfere with daily life. Alzheimer’s is the most common type of dementia as it accounts for 60 to 80 percent of dementia cases and is the 6th leading cause of death in the United States.

The most common early symptom of Alzheimer’s is difficulty remembering newly learned information. This is because Alzheimer’s changes typically begin in the part of the brain that affects learning. As Alzheimer’s advances through the brain, it leads to increasingly severe symptoms, including disorientation, mood and behavior changes; deepening confusion about events, time and place; unfounded suspicions about family, friends and professional caregivers; and difficulty speaking, swallowing and walking. Just like the rest of our bodies, our brains change as we age. Most of us eventually notice some slowed thinking and occasional problems with remembering things. However, serious memory loss, confusion, and other major changes in the way our minds work may be a sign that brain cells are failing.

People with memory loss or other possible signs of Alzheimer’s may find it hard to recognize they have a problem. Signs of dementia may be more obvious to family members or friends. If you have noticed these symptoms with your loved ones, help is available. The Alzheimer’s Association is a great source of information and has many tools to help. You can visit their website here: https://www.alz.org/ They also have a 24-hour helpline that can be used to access reliable information and support. Their phone number is: 1-800-272-3900.

If you have questions regarding any of the information mentioned in this week’s article, please do not hesitate to call my Capitol or District Office. Please always feel free to contact my office if you have any questions or issues regarding a Texas state agency, or if you would like to contact my office regarding constituent services. As always, my offices are available at any time to assist with questions, concerns, or comments (Capitol Office, 512-463-0672; District Office, 361-949-4603).

   – State Representative Todd Hunter, District 3

Rep. Hunter represents Aransas County and Nueces (Part) County. He can be contacted at todd.hunter@house.texas.gov or at 512-463-0672.

 

Filed Under: Better Business Bureau, chamber of commerce, Charities, hispanic chamber of commerce, Hurricane Relief, Scam Alert, spring cleaning, Todd Hunter, Water Exchange Bridge, windstorm insurance

Padre Island Housing Data – April 2022

May 26, 2022 By

America’s home buying binge seems to be coming to an end. Our specific area, Padre Island, is still hot for relocations & second homes, but we are starting to sense a shift and data is beginning to support this sense.

Home sales have tumbled for the third month. Cash buyers are beginning to be fewer and disappearing. Even though mortgage rates eased this past week many buyers are pulling back from the housing market. The stock market is scaring people. Where is our economy going?

Before long, and we’ve seen this before, there will come a time when buyers and sellers are not knocking down a sellers door. Many of we real estate brokerages are beginning to prepare for the upcoming market changes. Our real estate inventory is beginning to rise, ever so slightly, and fewer sold/closings.

We’ve been here before…..get prepared.

Cheri Sperling is the owner of Coastline Properties with a dedicated team of agents specializing in residential listings, sales, and property management in the Padre Island real estate market. Coastline’s team is the most knowledgeable real estate office on Padre Island. No pressure style, patience, and an intimate understanding of the local market. They go to work for you!

 

Padre Island April 2022 Data (Click Pic below for Larger Image)

padre-island-housing-report-april-2022

Filed Under: buying a home, Corpus Christ Real Estate Data, Investment Property, Mortgages, New Homes Padre Island, port aransas, property taxes, realtors, selling a home, windstorm insurance

National Donate Life Month

April 1, 2022 By

April is National Donate Life Month. This month is dedicated to educating and encouraging Americans to register as donors of organs, tissue, marrow, and blood. Donating is a generous act that saves thousands of lives annually.

Transplanting organs and tissue is one of the greatest and most successful medical procedures in the history of medicine. Organ transplantations offer patients a chance to give back to their families, friends, and communities. Your generosity can save as many as eight lives through organ donation, bring sight to others with cornea donations, and improve yet another 75 lives or more through tissue donation.

More than 40,000 lives were saved last year due to successful transplants. Organs that can be donated include the heart, kidneys, liver, lungs, pancreas, and intestines. Tissues that can be donated include arteries, bone marrow, eyes (corneas), cartilage, skin, soft tissue, veins, and heart valves and vessels. More than 106,000 men, women, and children are on the transplant waitlist currently. Furthermore, another person is added to the nation’s organ transplant waiting list every 9 minutes. To learn more information about organ donation and transplantation, please visit: https://www.organdonor.gov/.

Anyone can sign up to be a donor despite your age and medical history. In Texas, you can sign up to be a donor at https://www.donatelifetexas.org/register/. You can also sign up to be an organ donor when you apply or renew you Texas Driver’s license through the Texas Department of Motor Vehicles, too. Instructions to receive the Organ Donor designation on your Driver’s License can be found at https://www.dmv.org/tx-texas/organ-donor.php.

Another way to give is by donating blood. Blood donors save many lives every year. In our community, more than 120 people a day must donate blood to maintain the blood supply in the ten-county area served by the Coastal Bend Blood Center. To donate blood, you can find a location to donate blood at http://www.coastalbendbloodcenter.org. To learn more information about blood donation, visit http://www.redcrossblood.org/donating-blood.

If you have questions regarding any of the information mentioned in this week’s article, please do not hesitate to call my Capitol or District Office.  Please always feel free to contact my office if you have any questions or issues regarding a Texas state agency, or if you would like to contact my office regarding constituent services. As always, my offices are available at any time to assist with questions, concerns, or comments (Capitol Office, 512-463-0672; District Office, 361-949-4603).

– State Representative Todd Hunter, District 32

  Rep. Hunter represents Aransas County and Nueces County (Part).  He can be contacted at todd.hunter@house.texas.gov or at 512-463-0672

Filed Under: Hurricane Aide, Hurricane Hanna, Hurricane Relief, property taxes, spring cleaning, Todd Hunter, windstorm insurance

Prep For The Cold?

December 27, 2021 By

BREAKING NEWS: Winter is upon us. “So what” you say? We live in S. Texas – it’s always warm, sunny, driveway drinks and pool parties weather around here. MYTH. We can and do get freezes! Who remembers last February? That was pretty extra and as atypical as it was, history CAN repeat itself.

I know we’re all tempted to start purchasing heat lamps and tents for our palms and delicate landscaping, but if you are among the majority who have children, pets, or anything with a heartbeat living under your roof, it’s best to learn from last year’s unfortunately scary and chilly events that to be prepared for inside is the best thing you can do.

Here are the top 5 ways to plan ahead to alleviate some of the discomforts of inclement weather.

  1. GENERATOR – get one. Any one. Small one, big one, an automatic one, propane tank one, whole-home, portable…red one, blue one, get one, run run. You will not want the precious food (or beer) in your fridge to spoil, and you want to be able to at least turn on a small-space portable heater. IF your fridge isn’t going to run on the generator you have, pull out what’s important to you and put it outside! You have a FREE freezer on your patio.
  2. PIPE INSULATION – remember having no water? Or worse yet, no water AND a burst line? Head to your favorite hardware store and grab some pipe insulation. Know where your main water line is and make sure you have enough insulation (or in a clutch situation, blanket and lots of duct tape) to wrap it. Let your faucets drip slowly to keep that water moving, and it is less likely to freeze. In the unfortunate event of a burst, turn them off immediately.
  3. HEAT SOURCE – if you failed to grab that generator, have a backup plan! If you have a fireplace, stockpile wood (and keep the flue closed when not in use!). Gas cooktops? Make sure you have a lighter to spark that bad boy up. If you followed rule #2, you’ll have water to boil for noodles, baby bottles, sponge bath…and while I give you a moment to get your mind out of the gutter…clear THEM, too! If there is debris in them, that melting ice could drip into your attic. Make sure your doors and windows have tight seals to keep drafts out.
  4. CHARGERS – have your battery packs ALL juiced up so you do not end up with a dead cell phone and no way to communicate with the outside world. Or no way to keep yourself entertained…Netflix never sounded so good. Furthermore, have a full tank of gas in your car in the event you DO need to charge your devices from there!
  5. STOCK UP – on weighted blankets, board games, books, wool socks, candles, beef jerky (a personal favorite but any non-perishable protein of your preference!), water (and wine…), flashlights and batteries, first-aid kit, and perhaps make an extra effort at making nice with your neighbors. Sometimes they’re the real saviors with a hot pot of coffee or a quick shower.

I repeat: we CAN and DO freeze! Stick to this top 5 list first, and pray we can save it all for 2072.

Filed Under: Barefoot Mardi Gras, buying a home, Hurricane Aide, Investment Property, New Homes Padre Island, selling a home, spring cleaning, windstorm insurance

Hurricane Season 2020

June 25, 2020 By

Hurricane season began June 1, and forecasters at the National Oceanic and Atmospheric Administration (NOAA) are predicting above-normal hurricane activity in 2020, which means there could be three to six major hurricanes this year. With towns along the coast, Texas may face the storms head-on.

Hurricane season brings not only climate concerns but scammers as well. In the home repair business, “storm chasers” are untrustworthy contractors that travel to areas impacted by severe weather and go door to door offering to repair damage for low prices. Then, after receiving payment upfront, these storm chasers either leave without starting the projects or only partially complete it.

Along with the usual concerns associated with hurricane season, 2020 brings a new challenge in the form of COVID-19. NOAA warns that the pandemic can affect your ability to prepare for incoming hurricanes. Use these tips from the National Weather Service (NWS) and your Better Business Bureau to prepare for hurricane season and storm chasers:

  • Check your insurance policy. Checking your insurance before a storm hits can save you time and stress later. Contact your insurance agent to review what your policy covers and if you need more coverage. You should also take a detailed inventory of items in your home to make any necessary claims process more efficient.
  • Create a disaster kit. In the event of a severe hurricane, power may be lost, or roads shut down. Create a kit with bottled water, flashlights, batteries and nonperishable foods. Make sure your kit includes supplies for pets and infants, as well as prescription medications. Visit the Department of Homeland Security (DHS) at ready.gov/kit for a full list of disaster kit supplies.
  • Prepare your home. Minimize damage by tying or weighing down any items that could get blown away in strong winds. Cover windows and doors with impact-resistant shutters. You should also prepare an evacuation plan with your family in the event you need to leave your home.
  • Watch for storm chasers. After a storm hits and damage has been assessed, be wary of contractors going door to door in your area. Storm chasers often use high-pressure tactics, like offering a great deal that is only available that day. Ask any contractor that comes to your door for references or visit BBB.org to find trustworthy businesses to repair damage to your home or property.
  • Plan ahead. Because of COVID-19, supplies may be low and evacuation plans may need to be adjusted. The sooner you begin preparing for hurricane season, the easier it will be to handle the aftermath.

You can’t control the weather, but you can prepare for it! Visit BBB.org to find trustworthy contractors and go to weather.gov/safety/hurricane for more on hurricane safety.

Filed Under: corpus christi city council, Hurricane Aide, Hurricane Relief, Park Road 22 Proposed Bridge, windstorm insurance

TWIA News 2020

May 6, 2020 By

did-you-know-pxbyTWIA NEWS…….

Windstorm Certificates of Compliance (WPI-8’s & WPI-8-Cs) are an important eligibility requirement for TWIA as well as some private insurance companies. The process for coastal property owners to certify completed structural improvements will change next month. The process to certify new and ongoing improvements will not change.

WHAT’S CHANGING?

Beginning June 1, 2020, the windstorm certification process, the process that produces a Certificate of Compliance (WP1-8), will be administered solely by the Texas Department of Insurance (TDI). At that time:

  • TWIA will stop accepting applications for Certificates of Compliance for completed improvements. • May 31, 2020 is the last day TWIA will accept applications for Certificates of Compliance. Paper applications mailed to TWIA must be postmarked on or before that date for them to be processed by TWIA. • TDI will begin issuing Certificates of Compliance for completed improvements. TOI will continue to issue Certificates of Compliance for new and ongoing improvements.

This change and effective date are required by legislation passed in 2019 by the Texas Legislature (Senate Bill 615 and House Bill 1900). HOW WILL THIS BENEFIT PROPERTY OWNERS? TD1 already administers the Windstorm Inspection Program and is a regulatory agency. Consolidating the certification process and TD1 will:

  • Reduce property owner confusion on where to obtain a Certificate of Compliance. • Provide additional oversight to the certification process for completed improvements.

Make all future Certificates of Compliance searchable on the TDI online database. Property owners with a Certificate of Compliance issued by TWIA (WPI-8-C) can contact TWIA for a copy.

WILL TWIA CERTIFICATES OF COMPLIANCE (WPI-8-C) STILL BE VALID AFTER JUNE 1?

Yes. Certificate of Compliance issued by TWIA will remain valid and property owners will not have to recertify those same structures to remain eligible for TWIA insurance, unless they update the structures after being certified.

QUESTIONS?

To learn more, please read these frequently asked questions, available on the TWIA website. One may also visit Changes at TWIA webpage for additional details about this and other legislative changes affecting TWIA.

 

Filed Under: home maintenance, Hurricane Aide, Hurricane Relief, Mortgages, North Padre Island, property taxes, realtors, selling a home, windstorm insurance Tagged With:

FEMA Deadline Extended for Disaster Relief

November 22, 2017 By

Texans affected by Hurricane Harvey now have until November 30 to register for federal assistance.

The deadline was November 24, however, an additional six days now gives survivors more time through the Thanksgiving holiday.

Federal assistance includes help for temporary housing, rental assistance and repair or replacement of damaged homes for eligible individuals and families who have suffered losses as a result of the storm. Additionally, grants may be available to help with other expenses such as medical and dental care, child care, funeral and burial costs, replacing essential household items, moving and storage, vehicle repairs and some clean-up items.

Renters and homeowners must be in a designated county to qualify for assistance.

Those counties include: Aransas, Austin, Bastrop, Bee, Brazoria, Caldwell, Calhoun, Chambers, Colorado, DeWitt, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Grimes, Hardin, Harris, Jackson, Jasper, Jefferson, Karnes, Kleberg, Lavaca, Lee, Liberty, Matagorda, Montgomery, Newton, Nueces, Orange, Polk, Refugio, Sabine, San Jacinto, San Patricio, Tyler, Victoria, Waller, Walker and Wharton.

Survivors may register in many ways:

  • Online at DisasterAssistance.gov.
  • Calling the FEMA Helpline at 800-621-3362 (voice, 711/VRS-Video Relay Service) (TTY: 800-462-7585). Multilingual operators are available (press 2 for Spanish).
  • Via the FEMA app, available for Apple and Android mobile devices. To download visit: fema.gov/mobile-app
  • Visiting a Disaster Recovery Center (DRC). Find the location of nearby DRCs online at www.fema.gov/DRC.

Exercept via @Kris6news 

Filed Under: Charities, corpus christi, home maintenance, New Homes Padre Island, North Padre Island, port aransas, windstorm insurance

CONSUMER BEWARE: Rebuilding after a disaster

May 19, 2016 By

contractors2With the flooding and other tragedies that have occurred across the state, it is important that consumers be aware of Chapter 57 of the Texas Business and Commerce Code that was enacted by HB 1711 effective September 1, 2011. The bill applies to contractors who remove, clean, sanitize, demolish, reconstruct, or otherwise treat improvements to real property as a result of damage or destruction to that property caused by a natural disaster. Specifically, it requires that a “disaster remediation” contract must be in writing and prohibits a “disaster remediation contractor” from requiring payment prior to beginning work or charging a partial payment in any amount disproportionate to the work that has been performed. However, the statute exempts contractors that have held a business address for at least one year in the county or adjacent county where the work occurs.

Please see the text of HB 1711 for details. Contact your local Home Builders Association for a list of contractors.

Download this document for important phone numbers and information on rebuilding after a disaster. (CLICK HERE TO GET YOUR PDF)

Filed Under: buying a home, Corpus Christ Real Estate Data, corpus christi, home maintenance, realtors, windstorm insurance

TEXAS WINDSTORM REFORM BILL

August 25, 2015 By

twiaIt’s no secret that it costs a lot to live on the coast, especially once you add up your taxes, homeowner’s insurance, flood insurance, and windstorm insurance. And in 2012, the Texas Department of Insurance (TDI) proceeded forward with several proposals to fund the Texas Windstorm Insurance Association (TWIA), the provider of last resort for windstorm insurance on our coast. It was then that TWIA adopted a 5% increase on all residential and commercial windstorm insurance policies to policyholders in the 14 counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy) comprising the Texas Coast. This was the third rate increase since 2009. But the long fight is finally over.

Back in May, State Rep. Hunter announced that Senate Bill 900 has passed the Texas House of Representatives, a major victory.

And now after years of the unknown, Texas Governor Greg Abbott has just signed into law the Windstorm Insurance Reform Bill. The bill will spread the cost of storm-related increases to the rest of Texas instead of having the lion’s share being paid by the 14 coastal counties.

Last year, on March 5, over 400 residents came to a public hearing the city held at Texas A&M for our residents to voice their opposition to the proposed “tax,” as State Representative Todd Hunter referred to it. He pointed out that the TWIA website specifically states that they do not discriminate against geographical locations, which is exactly what this surcharge would have done. Rep. Hunter suggested doing an economic analysis on the minority groups affected. Perhaps his suggestion was heard.

Hunter believes the measure will benefit property owners along the Texas coast should a hurricane strike. For instance, when hail or tornadoes pummel other parts of Texas, funding from our coastal counties goes toward aid. But what if our coast gets hit with a hurricane? It has been on us and us alone to pay for the damages. This has made many of our residents scratch their heads. But this bill creates a new funding structure to provide fair and better insurance rates throughout the 14 coastal counties in Texas. It also changes the makeup of the Texas Insurance Board.

Over the years, there has been a lot of support from our local power forces. Mayor Nelda Martinez explained this surcharge would have a burdensome affect on the momentum of our community, and that an increase in insurance over the past 14 years will economically sink these 14 counties. She wrapped it up by saying “Mother nature doesn’t discriminate…”

JJ Johnson with TPCO American noted that with all the new big plants coming to Corpus (TPCO, Cheniere Energy, M&G Chemicals, Schlitterbahn…) there will be thousands of workers, too. We need to ensure that our new laborers on blue-collar salaries can afford to live here.

State Senator Juan “Chuy” Hinojosa commented on the misconception that all coastal residents are rich. In reality, we’re just like the rest of working America, where many of us can’t afford to pay much more.

At the Corpus Christi Association of Realtors luncheon at the Corpus Christi Town Club on March 13 2014, Representative Hunter explained that they will probably pass the rule, but they may be hesitant to enforce it. He promises to “fight them forever.”

Here’s to hoping he doesn’t have to!

Filed Under: buying a home, home maintenance, North Padre Island, windstorm insurance

WINDSTORM INSURANCE: WILL ISLANDERS END UP PAYING EVEN MORE?

April 3, 2014 By

It’s no secret that it costs a lot to live on the coast, especially once you add up your taxes, homeowner’s insurance, flood insurance, windstorm insurance, etc. But it could get worse. The Texas Department of Insurance (TDI) may be adding surcharges to existing rate policies that could greatly increase insurance costs for our Coastal Bend residents in these 14 coastal counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson,
Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy.

Perhaps it’s because we haven’t had a catastrophic event since Hurricane Celia in 1970, but in the event of hurricane damage that exceeds the amount the Texas Windstorm Insurance Association (TWIA) can pay, all of the below policy holders will be assessed a yet unspecified amount of money.

  • Auto policy
  • Motorcycle policy
  • Recreational vehicle policy
  • Boat policy
  • Homeowners policy
  • Windstorm policy
  • Renter’s insurance policy
  • Commercial building policy
  • Fire and allied lines
  • Farm and Ranch owners

 

What really stings here is this: when hail or tornadoes pummel other parts of Texas,funding from our coastal counties goes toward aid. But what about if our coast gets hit with a hurricane? It’s on us and us alone to pay for the damages. This is making many of our residents scratch their heads.

On March 5, over 400 residents came to a public hearing the city held at Texas A&M for our residents to voice their opposition to the proposed “tax,” as Representative Todd Hunter referred to it. Below are some of the arguments made during the hearing:

State Senator Juan “Chuy” Hinojosa commented on the misconception that all coastal residents are rich. In reality, we’re just like the rest of working America, where many of us can’t afford to pay much more. 

State Representative Todd Hunter expanded upon this idea, calling the surcharge a discrimination on the minority population of the 14 coastal counties. He pointed out that the TWIA website specifically states that they do not discriminate against geographical locations, which is exactly what this surcharge s. Before any surcharge law is passed, Representative Hunter suggests doing an economic analysis on the minority groups affected.  

Mayor Nelda Martinez explained this surcharge would have a burdensome affect on the momentum of our community, and that an increase in insurance over the past 14 years will economically sink these 14 counties. She wrapped it up by saying “Mother nature doesn’t discriminate…”  

JJ Johnson with TPCO American noted that with all the new big plants coming to Corpus (TPCO, Cheniere Energy, M&G Chemicals, Schlitterbahn…) there will be thousands of workers, too. We need to ensure that our new laborers on blue-collar salaries can afford to live here.

This surcharge could add up to hundreds, maybe even thousands of dollars extra per person per year. At the Corpus Christi Association of Realtors luncheon at the Corpus Christi Town Club on March 13, Representative Hunter explained that they will probably pass the rule, but they may be hesitant to enforce it. He promises to “fight them forever.”

The general consensus seems to be that our coastal residents should not pay these surcharges. Or, at the very least, spread the cost evenly across the state. As it turns out, there’s been a conclusion since 2009, but only now will this law be put into effect. After Hurricane Ike hit, the Insurance Council of Texas approved these surcharges,
given any subsequent hurricane damage exceeding $1 billion dollars. Here’s to testing our luck!

Filed Under: corpus christi business, windstorm insurance