Business Details
50+ Years
experience
Emergency
services
Trusted Windstorm & Hail Insurance Solutions in Texas
Founded in 1971, the Texas Windstorm Insurance Association (TWIA) provides windstorm and hail insurance for residential and commercial properties along the Texas coast. Governed by Chapter 2210 of the Texas Insurance Code, TWIA operates as a last-resort insurer for properties denied coverage in the private market due to hurricane risks. Our policies cover direct wind and hail damage, excluding flooding and storm surge, and require compliance with building codes through Windstorm Certificates of Compliance.We maintain $6.227 billion in funding for hurricane season and offer flexible payment plans, 24/7 claims reporting, and transparent public meetings. Our mission ensures coastal property owners meet mortgage requirements while adhering to strict underwriting standards and state-mandated eligibility criteria.
Services
Windstorm Insurance
Hail Insurance
Policy Renewals
Claims Processing
Certificate Lookup
Details
- Year established: 1971
Highlights and features
- We provide last-resort wind and hail insurance mandated by Texas law for coastal properties
- Our operations are governed by Texas Insurance Code Chapter 2210 with public oversight
- We offer flexible payment plans including 10-month auto-draft options
- Our board includes industry experts and coastal/non-coastal representatives
- We maintain $6.227 billion in funding specifically for hurricane season claims
Services
Windstorm Insurance
TWIA provides windstorm insurance for Texas coastal properties denied coverage in the private market. Our policies cover direct wind damage from hurricanes and tropical storms, excluding flooding. This essential coverage meets mortgage requirements for properties in designated catastrophe areas along the Texas coast.
Hail Insurance
We offer hail insurance as part of our windstorm coverage for Texas coastal properties. This coverage protects against hail damage from severe storms, operating under Texas Insurance Code Chapter 2210 requirements. Policies require building code compliance and cannot be obtained without windstorm coverage.
Claims Processing
TWIA processes wind and hail damage claims 24/7 through multiple channels. Our process includes temporary repair guidance, field inspections by licensed adjusters, and payment decisions within 60 days. Policyholders receive detailed claim status updates and can dispute assessments through formal appraisal processes.
Policy Renewals
We manage policy renewals through an agent portal with multiple payment plan options. Renewal offers can be edited 90-35 days before expiration, requiring policyholder portal registration for 10-month payment plans. Replacement cost estimates update quarterly based on current construction costs.
Certificate Lookup
TWIA maintains a certificate lookup tool for Windstorm Certificates of Compliance (WPI-8). These certificates verify building code compliance for coastal properties seeking coverage. The system covers certificates issued by TWIA from 2017-2020, with most records now managed through the Texas Department of Insurance database.
Questions
What properties qualify for TWIA coverage?
Properties in Texas' 14 coastal counties denied wind/hail coverage by private insurers qualify. Applicants must prove flood insurance, meet building codes, and demonstrate prior coverage denial.
How do I apply for TWIA insurance?
Applications must be submitted through licensed Texas insurance agents registered with TWIA. Most Texas agents can assist with TWIA applications and coverage requirements.
What does TWIA insurance cover?
TWIA policies cover direct wind and hail damage to structures. Excluded perils include flooding, storm surge, and damage from fallen trees not impacting covered structures.
How are TWIA premium payments structured?
TWIA offers four payment plans: Full Pay (100% upfront), 2 Pay (50% payments), 4 Pay (30% initial), and 10 Pay (15% initial with monthly auto-draft).
What happens during the claims process?
Report claims 24/7 through our portal, chat, text, or phone. A licensed adjuster inspects damage, and TWIA issues payment decisions within 60 days of receiving all documentation.
How does TWIA handle policy renewals?
Renewals occur automatically through the agent portal. Agents can edit offers 90-35 days before expiration. Policyholders must register for the portal to use 10-month payment plans.
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