Agents

FAQs

 

Where can I find financial information on Texas Windstorm Insurance (TWIA)?

Click here to view public financial information about TWIA.

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What do I do when the check I submitted with the application/renewal is returned NSF?

Call the TWIA accounting department as soon as you know about the NSF, and let them know you are sending replacement money in the form of a cashiers check or money order. Send the replacement money marked "Personal and Confidential - Accounting Department" with a note attached specifying the policy number for application.

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What do I do if the refund check I received is now 180 days old?

Return the check to the TWIA accounting department with a note attached telling us that the check is stale dated. We will void the check and reissue a new one.

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I cannot find my 1099. What do I do?

Call the TWIA accounting department to find out the amount of your 1099 and a replacement 1099 will be mailed to you.

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My name was on the Unclaimed Property Report issued by the Comptroller and they reference TWIA. How do I get those unclaimed funds?

You can either 1) call the TWIA accounting department, who will verify that the funds belong to you. A TWIA check will be mailed to you in the amount of the unclaimed property. Or, 2) you can request reimbursement from the Comptroller's Office.

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Who should an agent contact with questions?

The TWIA website is a great place to start. Many commonly asked questions, forms and instructions are easily available (check out the Downloads page for instruction manuals and forms). If you still have questions, contact the Underwriting Department at 800-788-8247.

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How does an agent get started with TWIA?

Check out our New Agent Guide to get all of the details.

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How are changes made to the information in the TWIA agent database?

To change information on the TWIA database, the agent/agency must submit a request in writing, preferably on agency letterhead and signed by the agent or an officer of the agency. It is helpful if the agent/agency license number is provided. Please send to P.O. Box address below or use our Contact Page.

Note: Name and address changes must also be made to the agent/agency license on file with the Texas Department of Insurance (TDI). Depending on the change, TWIA may request a current copy of the agent/agency license and a new W9 form.

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Why were applications/correspondence returned without being processed?

The most common reasons for applications/correspondence being returned without being processed are:

  • Application submitted without a photograph or a renewal number
  • Application submitted without a check for the full net premium
  • Check submitted without an application
  • Correspondence submitted without a TWIA policy number
  • Check not signed, incomplete or not made payable to TWIA
  • Several applications/correspondence received with one check (separate checks must be submitted for each application/correspondence)
  • Request not submitted by agent of record

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What is a WPI-8 and why do policyholders need one?

A WPI-8 is a building code certificate of compliance that is issued by the Texas Department of Insurance (TDI). It certifies that a structure has been erected, altered and/or repaired in accordance with building construction requirements for windstorm coverage by TWIA as outlined in Section 6A, Article 21.49 of the Texas Insurance Code. When a policyholder receives the WPI-8 certificate, it should be sent to the agent or TWIA to verify that the home or business has been built or repaired properly and is therefore "insurable" with TWIA.

For example, if a policyholder has a loss on a roof and TWIA pays to replace the roof, the policyholder is required to contact TDI and make certain they inspect and certify the roof as it is being replaced. (See "How do policyholders obtain a WPI-8?" below). This is just one example of the need for a WPI-8. On commercial buildings, policyholders may be required to have a registered engineer make the inspection to certify the repairs. Additional information may be obtained from TDI at 1-800-248-6032 in Austin or by selecting TDI's Inspection Procedure link.

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How do policyholders obtain a WPI-8?

Contact a Texas Department of Insurance (TDI) Windstorm Inspection Field Office or contact:
Texas Department of Insurance
Windstorm Inspection Department
Mail Code 103-1E333 Guadalupe
P.O. Box 149104
Austin, Texas 78714-9104
(800) 248-6032
(512) 322-2203

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How can someone obtain a list of independent engineers who have been appointed by the Commissioner of Insurance to perform windstorm inspections?

A complete list of Texas Department of Insurance (TDI) approved engineers can be obtained:

  1. Click here for listing of independent engineers.
  2. By contacting:
    Texas Department of Insurance
    Windstorm Inspection Department
    Mail Code 103-1E333 Guadalupe
    P.O. Box 149104
    Austin, Texas 78714-9104
    (800) 248-6032
    (512) 322-2203

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Who should policyholders call if they have questions about their coverage?

This website is a good place to start. Contact with policyholders should be through their agents, not directly with TWIA. Since they administer policies, agents can answer most questions. If an agent is unsure of an answer, he or she should contact his or her assigned TWIA underwriter.

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How do policyholders secure coverage through TWIA?

All applications for windstorm and hail coverage through TWIA must be submitted by a licensed property and casualty agent. The application must be on forms prescribed by TWIA. It must include premium payment and a current photograph (taken within the past 90 days) of each building item and each building containing property to be insured.

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Who can submit TWIA applications?

Any agent holding a Texas Local Recording Agent's license can submit an application on behalf of the applicant. An out-of-state agent must be licensed with the Texas Department of Insurance (TDI) and must hold either a Texas Local Recording Agent's license or have a Texas non-residence license to do business in the State of Texas. (Please note, TWIA does not have agents contracted to sell policies for them. By state statute, agents properly licensed through TDI represent the insured (not TWIA) in the insurance buying transaction for coverage placed with TWIA. This also means agents have no binding authority on behalf of TWIA and only TWIA employees can bind coverage on behalf of TWIA.)

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Why was depreciation withheld from a claim when the dwelling policy stated there was replacement cost coverage?

Policyholders have replacement cost coverage for a dwelling if they carry 80% of the amount of its replacement cost (i.e. $100,000 r.c. value X 80% = $80,000). On page six of the Dwelling Policy, it states that we will pay only the actual cash value claim (or the depreciated claim amount) until the repairs or replacement is made and all policy conditions are in compliance. In other words, we deduct the depreciation from your replacement cost claim and hold that money in reserve until you document the work has been done and the money allowed has been spent.

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Why is the mortgagee's name on the check?

On page eight under the "Mortgagee Clause," it states that we will pay the mortgagee shown in the Declarations of the policy as interests appear. The mortgagee has a financial interest in the dwelling and is entitled to be included as a payee on the dwelling claim.

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