Minimum Policy Eligibility Criteria

General Guidelines (apply to all applications)

Below are conditions that must be met for a TWIA application to be issued. These are not inclusive; please contact TWIA Underwriting if you have a question regarding a specific policy or scenario.

  • Replacement Cost Estimator. Where required, a replacement cost estimator must be submitted with:
    • All new business applications
    • Renewal applications where:
      • Coverage amount is changing
  • Information within the replacement cost estimator must match the application.
  • The replacement cost must be calculated through our MSB account.
  • The amount of insurance must comply with the coinsurance requirement
  • For premium financed policies, a finance agreement or TWIA 151-A must be completed.
  • There must be a clearly defined structure occupancy status.
  • Valid agency status.
  • Required Certificates of Compliance (WPI-8 or WPI-8-C)
    • Applicant must qualify for coverage through eligibility program (e.g. WPI-8 Waiver Program)
    • WPI-8 must be on file with TDI; WPI-8-C must be on file with TWIA; or other eligibility program was requested
    • Location address on certificate of compliance must match location address on application
  • Supporting documentation must be submitted for commercial superior construction requests.
  • Policyholders must have no outstanding balances on expiring or expired policies.

Commercial Guidelines (in addition to General Guidelines)

Commercial Application

  • Complete information regarding Business Interruption (e.g. Daily Limit)
  • Multiple items being insured must be accompanied with a clear labeled diagram
  • Miscellaneous items will require a photograph of the item being insured

Builder’s Risk Application

  • Photograph of site must be submitted with application
  • Supporting documentation must be submitted for Fire Resistive (FR) or Semi-Fire Resistive (SFR) construction requests

Manufactured Home Guidelines (in addition to General Guidelines)

  • Photograph of structure must be submitted with application
  • Required tie down inspection form (MH-96 or Form T) must be submitted

Applications Not Issued

Below are possible reasons an application would not be issued. These reasons are not inclusive; please contact TWIA Underwriting if you have a question regarding a specific policy or scenario.

General Guidelines (apply to all applications)

  • Uninsurable property
    • E.g. TWIA paid claim and application received without evidence of new certificate of compliance (WPI-8 or WPI-8-C) or evidence of repair for structures not requiring certificate(s) of compliance.
    • E.g. Uninsurable physical condition
  • Risk location:
    • In the Coastal Barrier Zone (COBRA) and built after expiration of grandfathered date
    • Outside of TWIA Coverage area
  • Prior TWIA Policy Cancellation:
    • Cancelled due to missing information and new application submitted without requested information
    • Policy subject to the 180-day or 90-day Minimum Earned Premium and outstanding balance not paid or submitted with new application
  • TWIA receipt of non-sufficient funds check while application is under underwriting review

Manufactured Home Guidelines (in addition to General Guidelines)

  • New business application submitted without tie down inspection form (MH-96 or Form T)
  • Manufactured home manufactured on or after September 1, 1997 must be designated as Zone II on the tie down inspection form (MH-96 or Form T)
    • NOTE: This is not applicable for manufactured homes located within Harris County; Harris County is designated as Zone I.
  • Coverage requested for a travel trailer (not insurable through TWIA)