Tell us about yourself. Who do you work for? What is your job title and role? Where do you live? Tell us about your family. I am the Assistant Chief Market Conduct Examiner for the Texas Department of Insurance. I live in Round Rock, Texas and am a single mother of two (2) adult children, and three (3) grandchildren and a proud momma of two (2) spoiled fur babies.

It has been a busy and productive two months since our Career Development Seminar (“CDS”) in Houston, Texas. I’d like to take a moment to share what several of our committees have been working on. The Meetings & Elections Committee, chaired by Chrystal Bartuska, has successfully negotiated a contract for our 2027 event, which is now under review and vote by the Executive Committee. The Membership & Benefits Committee, led by Brett Bache, has been diligently updating the State

Northeast Zone District of Columbia The District of Columbia Department of Insurance, Securities and Banking Bulletin 25-IB-001-08/12, dated August 11, 2025, addresses “the depreciation of labor expenses and other nontangible items in the definition of "actual cash value" (“ACV”) in property insurance policies.” The Bulletin provides the definition of depreciation and notes that labor, unlike physical materials, does not lose value or break down over time. The Department fu