If you live along the Texas coast, you may be able to get windstorm and hail coverage through a private market insurance company or the Texas Windstorm Insurance Association (TWIA).
To be insured through TWIA:
- You must live in TWIA’s “Designated Catastrophe Area.” View map
- You must work with your agent to get TWIA coverage.
- A property normally needs a windstorm certificate of compliance. Residential properties without a certificate can most likely still qualify for TWIA coverage but will need to pay a surcharge. If your commercial property doesn't have a certificate, you should contact TWIA.
To find a certificate of compliance:
If you have questions about TWIA coverage, visit TWIA’s webpage or call your agent.
Learn more: FAQ for policyholders