Business Details
50+ Years
experience
Emergency
services
Wind & Hail Insurance for Texas Coastal Properties
Established in 1971 under Chapter 2210 of the Texas Insurance Code, the Texas Windstorm Insurance Association (TWIA) operates as a non-profit insurance provider dedicated to offering windstorm and hail insurance solutions. We serve property owners along the Texas coast who have been denied coverage in the private market due to hurricane risks, ensuring compliance with mortgage requirements and property ownership needs. Our policies specifically cover wind and hail damage while excluding flood and storm surge risks, maintaining a clear focus on our statutory mandate.Governed by a Board of Directors appointed by the Texas Commissioner of Insurance, we prioritize financial stability through catastrophe funding models and transparent governance. Our 24/7 claims reporting system and customer portals demonstrate our commitment to accessibility and service reliability for over 252,000 policyholders across 14 coastal counties.
Services
Windstorm Insurance
Hail Insurance
Policy Management
Claims Processing
Risk Assessment
Details
- Year established: 1971
Highlights and features
- We operate as a state-mandated insurance provider under Texas Insurance Code Chapter 2210
- Our policies specifically cover wind and hail damage excluded by private insurers
- 24/7 claims reporting system available for emergency situations
- Financial stability maintained through $6.227 billion catastrophe funding reserves
- Serving 14 coastal counties with specialized risk assessment expertise
Services
Windstorm Insurance
TWIA provides essential windstorm insurance for coastal properties denied coverage by private insurers. Our policies protect against hurricane-force winds and hail damage, meeting statutory requirements for property ownership in high-risk areas. This specialized coverage fills critical gaps in the traditional insurance market.
Hail Insurance
Our hail insurance component covers structural damage from hailstorms, a common companion to coastal storms. This protection extends to residential and commercial properties across 14 Texas counties, ensuring comprehensive coverage for extreme weather events affecting coastal regions.
Claims Processing
TWIA offers 24/7 claims reporting with dedicated support for temporary repairs and permanent damage assessment. Our process includes detailed inspections, payment calculations based on policy terms, and coordination with mortgage companies for disbursement.
Risk Assessment
We conduct comprehensive risk assessments to determine eligibility and premium rates. This includes evaluating construction standards, location-specific hazards, and compliance with windstorm certification requirements for properties in designated coastal zones.
Policy Management
Our policy management system enables online account maintenance, payment processing, and documentation submission. The portal provides 24/7 access with scheduled maintenance windows for system upgrades and security enhancements.
Questions
What properties qualify for TWIA coverage?
Properties in Texas' 14 coastal counties that have been denied windstorm/hail coverage by private insurers may qualify through our windstorm certification process.
How do I file a claim with TWIA?
Claims can be reported 24/7 through our online portal or by calling (800) 788-8247, with policyholder verification required for all submissions.
What does TWIA insurance specifically cover?
Our policies cover direct property damage from wind and hail events, excluding flood, storm surge, and related water damage per statutory requirements.
How are TWIA insurance rates determined?
Rates are actuarially determined based on catastrophe risk models and approved by the Texas Board of Insurance, with annual funding determinations made by our Actuarial Committee.
Can I manage my policy online?
Yes, policyholders access our secure portal for payments, documentation submission, and policy management, with maintenance windows scheduled for system updates.
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Reviews (7)
Cool Beans
Jun 14, 2022
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My opinion Educational tool -. Great company Texas Windstorm Texas windstorm inspection are free. State of Texas office My opinion. Guilty under Texas Deceptive practices trade act fraudulent workmanship performance. My opinion bill collecting: broke roof and ran and court Phillips roofing and restoration corpus Christi failed to meet Texas windstorm inspections standards Failed hire licensed engineer to inspect the construction of roof Failed properly repair the eaves Failed to properly repair whole roof Failed to install / repairs the spirit Failed install two layers of felt Failed to lay shingles evenly Failed roofing edge Failed everything and broke roof and ran. Bad experience and bad roofer Roofer was sued not paid. My opinions.
Tamara Lugo
May 27, 2022
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Very unprofessional Joann macdonald was rude condescending said ''she ''was not paying for the roof if we did not have our roof covered with tarp you would have thought she was paying for the roof of with her income she then told me to make a new claim to change date to when wind was high when I was originally approved for interior damages but not roof? Where the damage is coming from forward to being denied for roof when Texas state law states if a shingle is loose or lifted the insurance has to cover it it seems like they would do anything to get out of paying for what needs to get done when we pay our premiums monthly this is the purpose of insurance just to be denied
Mark Morris
Mar 16, 2022
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Jeffery was a fantastic roof adjuster and explained everything during the inspection process of my claim. Thomas was great in helping me get my claim approved and in providing all of the needed documentation. I'm happy to have TWIA coverage, especially after having just gone through the claims process for a roof replacement. Was much easier than I was expecting.
S. S.
Mar 06, 2022
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TWIA (Texas Wind Is Allstate) will do any and everything they can to avoid paying out a claim. It's a govt agency so that should tell you everything you need to know about the organization. When does the govt ever run anything efficient? It might as well be called Biden coverage. Only insurance that's equally as bad is Allstate (Allsnake). Stay "FAR" away from either one of these scammers posing as "insurance" companies.
Juan Erazo
Aug 11, 2021
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Unfortunately this company is trash, LITERALLY TRASH. Great employees though, it seems like they do try to help but it's within the company itself that is trash not them. The company does not put its clients first at all so people DO NOT WASTE YOUR TIME with TWIA. I noticed that they all like to get off early before a big Holiday comes which makes no sense cause it isn't the Holiday they should remain open to help it's clients before the office closes on the actual Holiday day but that just goes to show that they DO NOT care about us as clients and that they care to have the rest of the afternoon off.
John Gouin
Jul 04, 2021
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TWIA BEWARE. They are canceling policies for any reason. They canceled my policy because no original certificate since 1990. didn't own the building 31 years ago. They took more than 1/2 of my payment plus "surcharges". I suspect this is retribution for claims made and partially paid from Hurricane Harvey. I had to fight for reimbursement for damages. Watch out for these guys if you live on the island. BTW their reviews are so bad they have their employees give them a 5 star rating.lol
Patricia Hernandez
Feb 10, 2021
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Anyone know of another Good windstorm company in southeast Texas? I've had TWIA for more 15yr and within this last 5 month have already spent 15k to reroof my house to get it certified like they ask or they would not renew my policy and now there wanting to terminate it if I don't get another certification for an carport that I had already added to my policy back in 2012 so frustrating. So I've been paying for it all these years and feel blindsided for all these expenses.
