TWIA (Texas Windstorm Insurance Association)

Texas state insurer of last resort for windstorm and hail coverage in designated coastal counties.

$2,450

Est. Annual ($350k Dwelling)

1.12

TDI Complaint Rating (< 1.0 is Better)

State Residual Coastal Authority

Texas Market Share

Pros & Cons

Guaranteed windstorm coverage availability for coastal homeowners rejected by private market
Standardized policy forms regulated by TDI
Direct integration with TDI WPI-8 building code certificates

Only covers windstorm & hail (Requires separate companion policy for fire, liability, theft)
Requires WPI-8 or WPI-8-E windstorm inspection certificates for roof work

Roof Settlement Type: Actual Cash Value vs RCV subject to WPI-8 Certificate compliance

Wind & Hail Policy: Sole provider of windstorm/hail insurance in 14 Tier 1 coastal counties