Blog

TWIA Ultimate Losses from Harvey

The Texas Windstorm Insurance Association (TWIA) expects its ultimate loss and loss adjustment expenses from Hurricane Harvey to be approximately $1.13 billion. As of October 12, 2017, TWIA has received 69,833 claims, including commercial, residential and manufactured housing. To date TWIA has closed over 36,894 claims, representing over 50% of the claims received. To date,…
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TWIA Claims Support Centers

We are Staying in Coastal Bend as Community Recovers Our Mobile Claims Centers have served more than 10,000 TWIA policyholders since they opened at the end of August. As policyholder needs shift from emergency relief payments and claim filing to existing claims support, we have transitioned our temporary Mobile Claims Center operations into more permanent…
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Closed Claims Temporarily Not Visible in Policyholder Claims Center

Closed claims are currently not visible in Claims Center for policyholders. This is a temporary issue that we are diligently working to fix. If you or your policyholder do not see your claim in Claims Center and need to submit documents, email them to [email protected] and include your claim number in the subject line. We…
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Scam Involving Spoofed TWIA Email Address

A scam has recently come to our attention that solicits donations through a spoofed twia.org email address. This email was not sent by TWIA. TWIA only provides insurance products and services and no TWIA employee or any other person acting on behalf of TWIA will ever ask for money outside of our established billing protocol.…
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TWIA Mobile Claims Centers

TWIA Mobile Claims Centers are currently open in Rockport, Corpus Christi, and Port Aransas. We have dedicated TWIA team members at each location helping policyholders with filing and checking on the status of their claims. Spanish-speaking staff are available on site. Each location is open daily 8AM-6PM. Port Aransas Location Port Aransas Community Center 408…
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Food Spoilage and our Mobile Claims Centers

We are receiving many questions and requests regarding food spoilage payments. Please see the below common questions on this topic and their answers. Can TWIA policyholders come to a Mobile Claims Center (MCC) for a food spoilage payment? Yes, although not all policyholders qualify. The MCCs are issuing payments for food spoilage and additional living…
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Protect Yourself From Fraud

Disasters breed crimes of opportunity, and a scam is the last thing we want our policyholders to deal with right now. Please be aware that TWIA's Special Investigations Unit is monitoring reports of fraudulent activities in communities affected by Hurricane Harvey. We have received reports of individuals in Corpus Christi impersonating TWIA adjusters and requesting…
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Preparedness Awareness for Agents & Policyholders

As of June 1, hurricane season has officially started. One of the important measures policyholders and agents alike can take to be prepared is to make sure insurance coverage is in place well in advance of a storm that threatens the Texas coast. Verifying your coverage now is especially important since many insurance companies, including…
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2018 Rates

The TWIA Board of Director’s voted to increase rates by 5% at the August 1, 2017 quarterly meeting. TWIA will file the proposed rate increase with the Texas Department of Insurance by August 15, 2017, as required by statute. The rate increase will go into effect January 1, 2018 and will apply to all TWIA…
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Hurricane Season is Here

Every year on the first day of hurricane season, June 1, TWIA reports its funding that is available to pay claims should a catastrophic weather event occur. For the 2017 season, TWIA has once again secured $4.9 billion in total funding. This includes a contribution of $147 million to the Catastrophe Reserve Trust Fund (CRTF)…
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2017 Hurricane Safety Squad Contest Winners

Congratulations to Evan Durant, a fourth grader at Treasure Hills Elementary in Harlingen, for winning the 2017 Hurricane Safety Squad contest! His winning submission of Coastal Christy was selected from over 200 entries to be the new squad leader's name. Evan received a grand prize that included preparedness gear, books, and a new backpack. Evan's…
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Prepárese para la temporada de huracanes de 2017

Texas Windstorm Insurance Association (TWIA) insta a las comunidades de la costa y a los asegurados a prepararse ahora para protegerse a sí mismos, sus familias y sus propiedades antes de que comience la temporada de huracanes, el 1.º de junio. Los ciudadanos de la costa deben prepararse para la temporada de huracanes, tomando las…
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TWIA’s Depopulation Program Approved for 2017-2018

TWIA’s Assumption Reinsurance Depopulation Program (Assumption Program) has been approved for 2017-2018 by the Texas Department of Insurance (TDI). Authorized by the Texas Legislature in 2015, the Assumption Program is an annual process where participating insurers make offers on large numbers of TWIA’s policies. The program is designed to provide TWIA policyholders with alternative options…
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Apply for TWIA’s Agent Advisory Group

Thank you for your interest in TWIA's Agent Advisory Group. We are no longer accepting applications TWIA’s Agent Advisory Group (AAG) fosters open and transparent communication with our agent community about the issues that matter to them most, and it is with this function in mind that we are excited to announce that qualified members…
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Notice to Interested Depopulation Insurers

Insurance carriers seeking to participate in the Assumption Reinsurance Depopulation Program (Assumption Program) must be authorized to write property insurance in Texas. Insurers who are not currently authorized to write property insurance in Texas and want to participate in the upcoming round of the Assumption Program are strongly urged to apply to the Texas Department…
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TWIA Now Issuing Certificates of Compliance for Completed Improvements (WPI-8-C)

There are now two ways to certify a structure meets the windstorm building code requirements Windstorm Certification Process Changes Legislation that went into effect on January 1, 2017 allows a person to apply to TWIA for a certificate of compliance for a completed improvement, known as a WPI-8-C. The Texas Department of Insurance (TDI) will…
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Interaction between the Voluntary Market and Assumption Reinsurance Depopulation Programs

This blog post pertains to agents who have received offers through TWIA's depopulation programs. In 2015, the Texas Legislature authorized the creation of two depopulation programs, the Voluntary Market Depopulation Program (Voluntary program) and the Assumption Reinsurance Depopulation Program (Assumption program). Both programs are designed to provide policyholders alternate options for wind and hail coverage in the…
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TWIA’s Depopulation Program Achieves Important Milestone

18,000 offers have been approved by agents for potential transfer to private market insurers The Texas Windstorm Insurance Association (TWIA) is pleased to announce an important milestone has been passed in the Assumption Reinsurance Depopulation Program (Assumption program). The agent review period concluded on October 31, and 18,000 policies were approved by agents for possible…
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Request for Qualifications for Field Adjusting Services Period Now Closed

The Request for Qualifications (RFQ) for Field Adjusting Services submission period has now closed. TWIA/TFPA invites all qualified Applicants to submit responses in accordance with the requirements outlined in its Request for Qualifications (RFQ) for Field Adjusting Services. For more information on the requirements for responses to be submitted by interested Applicants, please download and…
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Request for Proposal for Reinsurance Brokerage and Advisory Services Submission Period Now Closed

The submission period has now closed. TWIA invites all qualified Respondents to submit proposals in accordance with the requirements outlined in this Request for Proposals (RFP). The purpose of this RFP is to obtain proposals from qualified Respondents for reinsurance brokerage and advisory services as described in this RFP. For more information on the requirements…
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Member Companies Participating in Depopulation

Members Companies may now submit required documentation to TWIA and the Texas Department of Insurance (TDI) to participate in the Assumption Reinsurance Depopulation Program. The deadline for submissions is August 25, 2016. All documents must be submitted electronically. Senate Bill 900 (SB900) authorized the creation of the Assumption Reinsurance and the Voluntary Market Depopulation Programs as ways to assist…
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Request for Information Posted – Expert Panel Recommendations

TWIA invites all qualified Respondents to submit proposals in accordance with the requirements outlined in this Request for Information (RFI). The purpose of this RFI is to obtain proposals from qualified Respondents for a needs analysis to assist in planning and budgeting for implementation of the Expert Panel’s recommendations and corresponding TDI rules as described in this RFI. For…
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2016 Hurricane Preparedness Tips

As we start the 2016 Hurricane Season, it’s important to make sure that you’re prepared. Take the necessary steps to protect your property and—most importantly—your family. Below are some tips that can help get you started. Meet Annually with Your Agent Start by meeting annually with your agent to review your policy, ensuring that you…
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TWIA Ready for 2016 Hurricane Season

Residual market insurer is in strongest-ever position for hurricane season, thanks to new funding structure, largest-ever balance in CRTF, comprehensive CAT plan, and new claims management technology The Texas Windstorm Insurance Association (TWIA) it is in its strongest-ever position for this year’s hurricane season with $4.9 billion in total funding available to pay claims. This…
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Approval of TWIA’s Voluntary Market Depopulation Program

The passing of Senate Bill 900 (SB900) during the 2015 Texas Legislative Session granted Texas Department of Insurance (TDI) and TWIA the authority to implement depopulation or "takeout" programs. The bill proposes two methods for depopulation: a voluntary market program and an assumption reinsurance program. In response to SB900, TWIA filed a Voluntary Market Depopulation Program with…
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Request for Proposal Posted- Internal Audit Service

TWIA and TFPA invites all qualified Respondents to submit proposals in accordance with the requirements outlined in this Request for Proposals (RFP). The purpose of this RFP is to obtain proposals from qualified Respondents for the internal audit services described in this RFP. For more information on the requirements for proposals to be submitted by…
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December 2015 Policy Center Enhancements

Policy Center enhancements and TWIA system modifications that allow agents greater customization and flexibility when doing business with us are LIVE! The four new Policy Center features are: invoicing, email options, work assignment “My Queue” options and address validation. In addition, a report modification amends the Book of Business Report to include claim information. Summary…
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Learn More about the TWIA Board of Directors

Recently, the Texas Department of Insurance appointed the new TWIA Board of Directors, reflecting the board structure required by Senate Bill 900. Earlier this month, the Board went through an education and orientation program regarding the Association’s history, purpose and operations. At TWIA, we have started working closely with the new Board to fulfill our mission…
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What We Learned from the 2015 Hurricane Season

The Atlantic Hurricane Season ends on November 30, along with the Eastern Pacific Hurricane Season. Although 2015 was a below average season, tropical storms and hurricanes still brought rains and severe weather that impacted TWIA coverage areas. Whatever the forecasts, the perils of Texas weather require that we remain alert about disasters. Now that the…
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How TWIA Provides Quality Customer Service in a Residual Market

Residual insurance markets give rise to customer service challenges. These are the markets created when private insurance companies stop writing coverage in a high risk area. In the case of Texas Windstorm Insurance Association (TWIA): we were created by the Texas legislature when insurers stopped writing coverage for the Texas coast. TWIA policyholders need windstorm…
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Important Modifications to TWIA Systems go live on 10/8

Commissions Paid Faster and Easier Access to Policy Center Help Auto-issued policies + direct deposit = commissions paid faster Policy Center processes premium-bearing transactions automatically nearly 90% of the time. Factor in an effective date in the current month, and direct deposit, and you could receive your commission in a matter of days. The most…
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New TWIA Board of Directors Appointed by TDI

On October 1, the Texas Department of Insurance (TDI) appointed the new Texas Windstorm Insurance Association (TWIA) Board of Directors. The Board’s composition now reflects recent legislative changes required by Senate Bill 900. The new Board consists of three public members residing in the first tier coastal counties and representing certain regions of the catastrophe…
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Beginning October 1, 2015, all residential business requests must be conducted through the Agent Portal

Beginning October 1, 2015, all residential business requests must be conducted through the Agent Portal TWIA will no longer accept residential paper applications, residential renewal paper applications, or emailed residential policy changes. All residential processing must go through the Agent Portal and Policy Center. TWIA wants to help agents use Policy Center. Please access our…
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TWIA System Modifications Go Live 9/10/15

TWIA System Modifications Go Live 9/10/15 As part of our ongoing dialogue with the agent community and commitment to transparent communication, the following system modifications are scheduled to go live on September 10, 2015: Enhanced Search Capabilities Improved flexibility to search by a variety of identifiers. Earlier notification of MSB requirement Modification in response to…
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TWIA Answers Policyholder Questions about WPI-8 Waivers

UPDATE: This certification process has changed since the below post was published. For information on the current TDI (WPI-8) and TWIA (WPI-8-C) process, please visit the Windstorm Certification Requirements page. Recently, the 84th Texas Legislature passed a bill extending the WPI-8 waiver surcharge program. Homeowners who do not have windstorm inspection certificates and meet the…
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TWIA System Enhancements Deploying 8/19/15

New features will be available in Policy Center (PC) and eQuote on August, 20th, including: *  a printable Transaction Summary Preview with customer signature line *  new pop-up tool tips embedded within PC to assist with certain activities *  the ability to pay with EFT on premium financed policies in eQuote The Agent Portal will…
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Upcoming Board Meetings

Visit our Upcoming Meetings page to keep abreast of future meetings of the Texas Windstorm Insurance Association Board of Directors. All meetings are open to the public and, with the exception of closed sessions, will be broadcast live on TWIA's website. Meeting agendas, materials, and links to live and archived broadcasts are also available. The TWIA Actuarial and Underwriting Committee…
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TWIA Claims Department Responds to Busy Spring-Storm Season

Spring 2015 brought unprecedented stormy weather to the entire state of Texas.  Between April 12 and April 22, Corpus Christi, Galveston, and Angleton, Texas, were repeatedly hit with severe weather incidents, including winds in excess of 70 miles-per-hour and up to tennis-ball-sized hail. On April 27, there were reports of golf-ball-sized hail and 60 mile-per-hour winds, uprooting trees…
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Policy Renewals Outstanding in Policy Center

All renewal applications for TWIA residential policies are electronically generated for policies expiring in July   More than 38,000 policy renewals have generated since May 8 for policies that begin expiring in July. To date, approximately 1% have been submitted back to TWIA. You may have renewals outstanding in Policy Center that need to be…
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Winner of the 2015 Hurricane Hunter Contest Named

Congratulations to Hector Jalomo III of Ms. Linda Alvear’s 3rd grade class at Ed Downs Elementary in San Benito, Texas! Hector is the winner of our Hurricane Hunter mascot naming contest with the submission, “TexVortex.” The prize for Hector's submission was a metal Hurricane Hunter airplane with the winning name emblazoned on the side. Hector and his…
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TWIA Publishes its 2014 Annual Report

On June 1, the Texas Windstorm Insurance Association (TWIA) released its Annual Report for 2014. The Annual Report illustrates the measures and improvements the Board of Directors and management have taken to meet the objectives set forth in Section 2210.107(a) of the Texas Insurance Code. The 2014 Annual Report showcases the vast improvement the Association has…
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Hurricane Preparedness – Are you Prepared?

[caption id="attachment_5162" align="alignnone" width="300"] Hurricane Season starts June 1.[/caption] Hurricane Preparedness The best time to prepare for a hurricane is before one is in the Gulf of Mexico. One important tip to remember is to make sure your property and possessions are adequately and properly insured. This gives you and your family the best chance to rebuild after…
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How TWIA Prepares Policyholders for Hurricane Season

Each year, the Texas Windstorm Insurance Association (TWIA) launches a hurricane preparedness campaign to help educate and promote hurricane safety to their policyholders in Texas coastal communities. With hurricane season beginning June 1, TWIA has created several new tools to get prepared. Prior to hurricane season every year, TWIA distributes hundreds of Hurricane Preparedness packets to…
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