TDI Extends Deadline for TWIA Appraisal Requests

The Texas Department of Insurance has extended the deadline for TWIA policyholders to request appraisal on their Harvey claim. The new deadline is 180 days from the day a policyholder received their most recent Notice of Claim Acceptance (in full or in part) letter. Note: Some commercial policies have a 150-day deadline. For more details, please refer to

If a policyholder is within their claim’s 180-day deadline, requesting appraisal preserves their right to dispute their Harvey claim payment amount.

The act of requesting appraisal provides our policyholders with options. They will incur out-of-pocket costs going through the appraisal process. To avoid out-of-pocket costs, TWIA can temporarily suspend the process (at their written request) and work with them to resolve the dispute at no cost.

Before TWIA can consider making an additional payment on a Harvey claim, a policyholder must request appraisal. After their appraisal deadline expires, they cannot request additional payments on the accepted claim.

How does a policyholder request appraisal?

Requesting appraisal is easy. A policyholder can fill out an appraisal request form and send it to or mail it to PO Box 99090, Austin, TX 78709 (Attn: Appraisal Request). They may also call TWIA at 800-788-8247.

What happens during the appraisal process?

Appraisal is the formal process for disputing the amount that TWIA paid on the accepted part of a claim. During the appraisal process, the policyholder and TWIA each select a competent and independent appraiser to determine the amount of the loss. If the appraisers cannot agree on the amount of loss, they can select an independent umpire to make the final ruling. The policyholder will split the cost of the appraisal with TWIA.

Check the TDI website for more information.