 Because of the First Amendment and the separation of church and state, ministries are largely unregulated, and insurance companies say unregulated businesses are difficult to underwrite. Churches in Texas have been hit particularly hard by these strains on the insurance industry. Trinity Baptist Church in Mount Pleasant is a good example. When the Snowmageddon freeze hit in 2021, a frozen pipe burst in one of their offices, resulting in significant flood damage and a large insurance claim.