CLAIMS
About Texas Windstorm Insurance Association
Protecting the Texas Coast from Wind and Hail
TWIA is a not-for-profit insurance provider created to offer windstorm and hail coverage to residential and commercial property owners along the Texas coast—where traditional insurers often decline coverage due to the high risk of catastrophic hurricanes.
Why TWIA Exists
Standard homeowners insurance policies frequently exclude wind and hail protection for coastal properties, leaving many Texans without the coverage required by mortgage lenders and financial institutions. TWIA fills this critical gap, providing access to essential insurance when the private market cannot.
How TWIA Operates
TWIA functions like a traditional insurance company:
- Issues policies for windstorm and hail coverage
- Collects premiums from policyholders
- Pays claims for damage caused directly by wind and hail events
TWIA policies do not cover losses from flooding or storm surge.
For over three decades, TWIA has been committed to helping coastal communities stay resilient in the face of severe weather.