Participating in the Programs
Authorized by the Texas Legislature in 2015, the two TWIA programs function in the following way: TWIA provides policy data to participating insurers who then make offers to assume TWIA policies. A Texas-authorized insurer must execute a Non-Disclosure Agreement (NDA) and a Participation Agreement to access TWIA policy data and identify policies.
The insurer works with the policyholder’s current agent, either through appointment or a limited servicing agreement, to present offers to the policyholder. A separate Participation Agreement must be made for each depopulation program, and as of the 2017-2018 filing, companies must re-enroll each year. Learn more on insurer requirements for each of the programs: