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Our Homeowners’ Bill of Rights is grounded in the belief that
a “Home” is much more than a structure, dwelling or residence.
A Home is where the heart is. It’s a sanctuary from a busy world
where we go to rest and recuperate. It’s a castle providing personal pride and a place to share
time with friends. It’s a safe, secure and structurally sound place to grow up or raise a family.
It’s the biggest financial investment most of us will ever make. We often think of our
Home in terms of where we grew up or where we lived – a place that brings back old
memories or feelings.
The building industry often has a different perspective, viewing home construction
and sales as one-time business transactions. Without regulatory oversight, their profit incentive
can lead to business decisions that are detrimental to homeowners and their communities.
With an understanding of these different perspectives, we advocate for Texas
homeowners and legislative reforms to protect them from substandard construction. We work with
quality builders and other stakeholders that share that viewpoint. As for contractors that cut
corners and build shoddy homes and then hide behind laws that shield them from accountability, we
view them as “Home wreckers”, not home builders. That’s because homes with serious
defects destroy lives and the whole meaning of Home.
No matter the price point:
- Texas homeowners deserve homes that are safe and free from contamination and other
hazardous conditions.
- Texas homeowners deserve homes that have strong foundations, are structurally sound, and
will last at least as long as the mortgage.
- Texas homeowners deserve homes that are secure and protect them from the elements and
intruders.
- Texas homeowners deserve homes that provide reasonable protection from fire, flood,
windstorm, and shifting earth.
- Texas homeowners deserve competitive choices when buying a new home and the same sort of
consumer protections as when buying an existing home.
- Texas homeowners deserve access to environmentally friendly technologies.
- Texas homeowners deserve homes constructed by a trained, skilled and supervised
homebuilding workforce along with licensing, bonding, code enforcement, and law enforcement,
for residential builders.
- Texas homeowners deserve a fair legal system and a level playing field when dealing with
contractors, mortgage lenders, insurance companies, property owner associations, service
providers, and taxing bodies.
- Texas homeowners deserve fair financing that matches their ability to pay and doesn't pose
undue financial hardship or risk.
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ADDITIONAL RESOURCES:
Why we now need a TEXAS Homeowners' Bill of Rights
(PDF)
Why we now need a NATIONAL Homeowners' Bill of Rights
(PDF)
The Second Bill of
Rights was a proposal by President Franklin D. Roosevelt during his State of the Union Address on January 11, 1944. Arguing that the Constitution and Bill
of Rights had "proved inadequate to assure us equality in the pursuit of happiness," Roosevelt's
remedy was to guarantee:
- A decent home
- A good education
- Adequate medical care and the opportunity to enjoy good health
- A job in the nation's industries, shops, mines or farms with an opportunity to
make a living wage enough for
food, clothing and recreation.
- Freedom from unfair competition and domination by monopolies at home or abroad
Roosevelt said that having these rights would guarantee American security, and that America's place in the
world depends upon how far these and similar rights are carried into practice.
Excerpt from President Roosevelt's State of the Union:
“It is our duty now to begin to lay the plans and determine the strategy
for the winning of a lasting peace and the establishment of an American standard of living higher than ever
before known. We cannot be content, no matter how high that general standard of living may be, if some fraction
of our people—whether it be one-third or one-fifth or one-tenth—is ill-fed, ill-clothed, ill-housed, and
insecure.
This Republic had its beginning, and grew to its present strength, under
the protection of certain inalienable political rights—among them the right of free speech, free press, free
worship, trial by jury, freedom from unreasonable searches and seizures. They were our rights to life and
liberty.
As our nation has grown in size and stature, however—as our industrial
economy expanded—these political rights proved inadequate to assure us equality in the pursuit of
happiness.
We have come to a clear realization of the fact that true individual
freedom cannot exist without economic security and independence. 'Necessitous men are not free men.' People who are hungry and out of a job are the
stuff of which dictatorships are made.
In our day these economic truths have become accepted as self-evident. We
have accepted, so to speak, a second Bill of Rights under which a new basis of security and prosperity can be
established for all—regardless of station, race, or creed." 
Rooselvelt didn't live to push through his Second Bill of Rights, and Sunstein suggests in his seminal book
"The Second Bill of Rights: FDR's Unfinished Revolution and Why We Need It More Than
Ever" that there are no "natural" rights. All rights are the product of government - defined by government,
enforced by government, and protected by government.
Most people think the "right" to own property is inherent to us all, but it is actually a product of law.
The law determines who owns what, defines the boundaries of that ownership, and protects that ownership with courts
and police. Texas homebuilders benefit from laws that are stacked in their favor and often say
they "want the government out of my business," but they very much want the government
"protecting" their business. From chapter two:
"Of course many people work hard and many others do not. But the
distribution of wealth is not simply a product of hard work; it depends on a coercive network of legal rights
and obligations. ...[T]he laws of property, contract, and tort are social creations that allocate certain
rights to some people and deny them to others. These forms of law are coercive to the extend that they prohibit
people from engaging in desired activities. If homeless people lack a place to live, it is not because of God's
will or nature. It is because the rules of property are invoked and enforced to evict them, if necessary by
force. If employees have to work long hours and make little money, it is because of the prevailing rules of
property and contract. ... Sometimes those rules disserve liberty.
Those who most demand "no" government intervention in the marketplace because of their wealth and power
owe the vast majority of their wealth and power to the specific
intervention of the government in the marketplace by enforcing one particular set of rules and laws of
property and contract. What these "free market" advocates are really saying is that they want the rules to
continue to be set and stacked in their favor, rather in ways that may better serve both society and liberty
for all.
...Roosevelt believed that the real questions were the pragmatic ones: What form of intervention best
promotes human interests? What form of regulation makes human life better? People
in desperate conditions lack freedom."
Rather than promoting "welfare," the US Constitution was written to guarantee "Liberty." It opens
with, "In Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for
the common Defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our
Posterity..."
While some may argue that progressive taxation, minimum wage laws, and right-to-unionize laws limit
their "liberty," Roosevelt stressed that they would not have the wealth and power they did without laws that
protected "their" rights. Indeed, as Roosevelt famously said in his 1936 acceptance speech for his second term of
office:
"These economic royalists complain that we seek to overthrow the
institutions of America. What they really complain of is that we seek to take away their power. Our allegiance
to American institutions requires the overthrow of this kind of power. In vain they seek to hide behind the
flag and the Constitution. In their blindness they forget what the flag and the Constitution stand for. Now, as
always, they stand for democracy, not tyranny; for
freedom, not subjection; and against a dictatorship by mob
rule and the over-privileged alike."
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