CAT Plan Activated, Policy Moratorium Possible

We have activated our Catastrophe Incident Response (CAT) Plan in response to Tropical Storm Nicholas. This will help us respond to our policyholders and other stakeholders as quickly and effectively as possible if this storm causes severe damage in our coverage area.

TWIA is still writing coverage. However, it is possible that a policy moratorium will go into effect in the near future. During a moratorium, TWIA is unable to issue any new policies or increase coverage on existing policies/renewals (learn more).

TWIA must receive both the application and the payment before we can issue a policy.

Recommended Submission Options for Agents and Policyholders:

  • Agents: Submit applications through Policy Center and payments through eCheck or EFT.
  • Policyholders: Your agent must submit the application. We also recommend having them handle the payment when a moratorium is expected.
    • If you wish to pay TWIA directly, submit payment online through eCheck (free) or credit card (vendor processing fees apply). There may be a lag of several hours between when the agent submits the application and when the transaction becomes available for payment online. For this reason, we recommend having your agent handle the payment when a moratorium is expected.

Visit to learn more about payment options for both agents and policyholders. If you have any questions or concerns, please contact Agent Services at or (800) 788-8247.