Texas Windstorm Insurance Association

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Texas Windstorm Insurance Association Connecting with our policyholders and the coast we serve. TWIA's purpose is to provide windstorm and hail insurance in the Texas seacoast.

The Texas Windstorm Insurance Association (TWIA) was established by the Texas Legislature in 1971 in response to regional market conditions following Hurricane Celia in August 1970. TWIA is governed by Chapter 2210 of the Insurance Code (Chapter 2210). TWIA is a residual insurer of last resort and is not a direct competitor in the voluntary insurance market. TWIA provides coverage to residential and commercial properties in certain designated portions of the Texas seacoast territory. The designated catastrophe area is that portion of the seacoast territory where the Commissioner of Insurance has found that windstorm and hail insurance is not reasonably available.

💼 Meeting Alert 💼TWIA Board to Meet to Review Association’s 2027 Budget, Legislative Recommendations on October 8TWIA's ...
09/28/2026

💼 Meeting Alert 💼

TWIA Board to Meet to Review Association’s 2027 Budget, Legislative Recommendations on October 8

TWIA's Board of Directors will hold an interim meeting on Thursday, October 8, at 9:00 a.m. CT to review preliminary information about the Association’s 2027 budget and consider proposals put forth by the Board’s committee developing recommendations for TWIA’s 2026 Biennial Report to the Legislature.

The Board will not consider any action on rates at this meeting.

To learn more about this meeting, see the agenda, and find out how to attend, follow this link: https://www.twia.org/twia-board-to-meet-on-budget-legislative-recommendations

All meetings of the TWIA Board of Directors are open to the public. The public may attend and make public comment in person at the October 8 Board meeting at TWIA’s office in Austin or virtually via Zoom: https://bit.ly/3Vl5738, or by submitting written comments via email at [email protected]. Interested parties are encouraged to submit comments by noon on Tuesday, October 6, to enable the Board to receive and review them before the October 8 meeting. All written comments will be provided to the Board regardless of when they are received.

The meeting will also be livestreamed on YouTube: https://youtube.com/live/RCNvTITDdBs

Review Your Policy Before Peak SeasonIts been a relatively quiet Atlantic Hurricane Season so far in 2026, but the seaso...
08/28/2026

Review Your Policy Before Peak Season

Its been a relatively quiet Atlantic Hurricane Season so far in 2026, but the season historically peaks in September. Now is the perfect time to review:

✔ Your deductible - it may be higher than you realize - don't get surprised after a claim.
✔ Coverage limits - make sure they have adjusted along with the value of your property.
✔ Endorsements - talk to your agent about which ones can protect you best, like Additional Living Expenses (only if it's your primary residence) or Increased Cost of Construction.
✔ Important documents - keep copies of your policies and TWIA's contact information where you can access them.

Understanding your policy before a storm is one of the best ways to reduce surprises after one.

💼 Meeting Alert 💼The TWIA Board of Directors’ Legislative & External Affairs Committee will meet on Tuesday, September 1...
08/24/2026

💼 Meeting Alert 💼

The TWIA Board of Directors’ Legislative & External Affairs Committee will meet on Tuesday, September 1 at 1:30 p.m. CT. The Committee will continue its work in planning the Association’s Biennial Report to the Texas Legislature. The agenda for the meeting is available on TWIA’s website here: https://bit.ly/4qD7hqv

All meetings of the TWIA Board of Directors and its committees are open to the public. The public may attend and make public comment in person at TWIA’s office in Austin: https://bit.ly/4eu6wtp or virtually via Zoom: https://bit.ly/4wWzSsw Members of the Committee and staff may participate in the meeting in person or virtually. The meeting will also be livestreamed on YouTube: https://www.youtube.com/live/9bdddX1YkQE

Members of the public are invited to submit written comments via email at [email protected]. Interested parties are encouraged to submit comments by noon on Friday, August 28, so the Committee can receive and review them before the September 1 meeting. TWIA staff will provide the Committee with all written comments regardless of when they are received.

Hurricane Season Tip of the Week: Recoverable DepreciationIn some claims, "recoverable depreciation" may be paid after r...
08/13/2026

Hurricane Season Tip of the Week: Recoverable Depreciation

In some claims, "recoverable depreciation" may be paid after repairs are completed and documentation is submitted. When making repairs, keep copies of:

• repair contracts
• invoices
• receipts
• photos of completed work

Good documentation can help the claims process move more smoothly after repairs are finished! Learn more about factors that may impact the claim payment amount here: twia.org/claims/factors-impacting-payments/
R2R Images Recoverable Depreciation.png

One of the simplest hurricane prep steps is also one of the most overlooked: tree maintenance. Weak or overhanging branc...
08/06/2026

One of the simplest hurricane prep steps is also one of the most overlooked: tree maintenance. Weak or overhanging branches can become dangerous projectiles during high winds and are costly to remove when they fall after a storm.
Before hurricane season peaks:
✔ Trim dead limbs
✔ Remove weak branches
✔ Clear areas near roofs and power lines
Preparation now can help reduce storm damage later! And, money spent from your claim payment on tree removal means less money spent repairing your home. It can be much more cost effective to maintain trees than to remove them after a hurricane.

08/06/2026

The Texas Windstorm Insurance Association's board met at the Tremont House on Mechanic Street and voted unanimously after an actuarial analysis found the insurer's current rates were high enough to cover expected costs for residential and commercial policies.

Why an ICC Endorsement May Make SenseAfter a major storm, rebuilding may require upgrades to meet current building codes...
07/30/2026

Why an ICC Endorsement May Make Sense

After a major storm, rebuilding may require upgrades to meet current building codes. An Increased Cost of Construction (ICC) endorsement can help with certain additional costs associated with required code upgrades after a covered loss.

Building standards change over time. Understanding your coverage can help you plan ahead. Review your policy and talk with your agent about what coverages and endorsements may be right for you.

💼 Meeting Alert 💼 Public Invited to Comment as TWIA Board Considers Annual Rate Filing at August 4 MeetingTWIA's Board o...
07/24/2026

💼 Meeting Alert 💼

Public Invited to Comment as TWIA Board Considers Annual Rate Filing at August 4 Meeting

TWIA's Board of Directors will meet at the Tremont House in Galveston on Tuesday, August 4 at 9:00 a.m. CT. The Board is expected to consider the Association's statutorily required annual rate filing for 2027 policies. To learn more about this meeting, see the agenda, and find out how to register to attend, follow this link: https://bit.ly/45l3iF0

All meetings of the TWIA Board of Directors are open to the public. Members of the public are invited to provide public comment in person at the Tremont House in Galveston, virtually via Zoom: https://bit.ly/4gRT6uV, or by submitting written comments via email at [email protected]. Interested parties are encouraged to submit comments by noon on Friday, July 31, to enable the Board to receive and review them before the August 4 meeting. All written comments will be provided to the Board regardless of when they are received.

The meeting will also be livestreamed on YouTube: https://www.youtube.com/live/XDNQETmHdtA

WPI-8 Certificates Matter. Making repairs or improvements to your home along the Texas coast? Windstorm certificates (WP...
07/09/2026

WPI-8 Certificates Matter.

Making repairs or improvements to your home along the Texas coast? Windstorm certificates (WPI-8s) may be required for certain work to verify compliance with applicable building standards.

Before starting repairs or upgrades, make sure you understand the inspection and certification requirements. Learn more before the next storm arrives at twia.org, and if you’re in the Galveston area on July 18, bring your storm preparation questions to TWIA at our Coastal Preparedness Expo. Find out more at twia.org/expo.

Do You Need ALE Coverage?If a covered loss makes your home temporarily unlivable, Additional Living Expense (ALE) covera...
07/02/2026

Do You Need ALE Coverage?

If a covered loss makes your home temporarily unlivable, Additional Living Expense (ALE) coverage may help with temporary housing and certain extra living costs.

ALE coverage is available through an endorsement to your policy. Review your policy and talk with your agent about what coverages and endorsements may be right for you.

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4801 Southwest Parkway, Building One, Suite 200
Austin, TX
78735

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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