Texas Windstorm Insurance Association ( TWIA )
Coastal states provide residents who are unable to secure wind and hail insurance through the private market the option of purchasing coverage through a state-run windstorm insurance plan. The state plan is called the Texas Windstorm Insurance Association ( TWIA ). You may also hear TWIA windstorm coverage referred to as “the market of last resort.”
TWIA provides windstorm insurance to these Texas Gulf Coast counties:
Your property must meet certain requirements established by the Texas legislature to be eligible for a TWIA windstorm insurance policy. The property must be located in one of the Texas coastal counties covered by TWIA, and you must have also received a denial of coverage from at least one authorized insurer that writes windstorm coverage in your area.
There are three ways to file a windstorm insurance claim with TWIA.
Register and file your claim online.
Call 1 (800) 788-8247, option 1.
Contact your TWIA insurance agency.
The online claims center gives policyholders 24/7 access to claims reporting, claims status, documents, your payment history and options, and messaging with the claims team or your adjuster.
Remember to include these items when reporting your claim:
Cause of the damage (wind, hail, or both)
Description of the damage
Your contact info
Documentation or photographs of the damage
The rates for TWIA windstorm policies are determined by its board of directors and subject to the review of the Texas Department of Insurance. Several factors go into determining the rates you will pay for your windstorm policy, including the amount of insurance purchased, the type of home construction, your windstorm deductible, and any optional coverages you choose to purchase.
TWIA does not use your credit score to determine its insurance rates, and discounts are available to homes built to current windstorm building codes. According to the TWIA website, the average premium for a TWIA residential policy is around $1,700.