WPI-8 Requirements

Highlights

  • The Texas Department of Insurance (TDI) administers the Windstorm Inspection Program and issues Certificates of Compliance (WPI-8s) to certify that properties meet windstorm building code requirements
  • All new structures, alterations, or repairs to existing structures must have WPI-8s, with limited exceptions
  • Homeowners should notify TDI to begin the WPI-8 process before beginning construction or repairs
  • Certain repairs may require an engineer inspection; visit the TDI website for a list of TDI appointed qualified inspectors.
  • See TDI’s website for more resources: TDI Windstorm System

Background

In order to be eligible for coverage through TWIA, Texas Insurance Code Chapter 2210 states that any building constructed, altered, remodeled, enlarged, repaired, or added to on or after January 1, 1988 must meet the applicable building code standards for its area. Compliance with these requirements is demonstrated by obtaining a Certificate of Compliance (WPI-8) from TDI. Without a WPI-8, TWIA lacks evidence the structure conforms to the applicable building code, and the structure may be considered uninsurable and ineligible for coverage with TWIA.

Obtaining a Certificate of Compliance (WPI-8)

To obtain a WPI-8, repair or construction must be inspected to certify that it is fully compliant with the windstorm building code. Inspections may be performed by a TDI inspector or licensed professional engineer approved by TDI. Homeowners should notify TDI to begin the WPI-8 process before beginning construction or repairs. Some types of repairs may be minor or involve only a small portion of the structure and do not require a WPI-8. The TDI website provides a list of repairs that do not require an inspection.

Exceptions to the WPI-8 Requirement

Texas law identifies several exceptions for structures lacking WPI-8s. Properties with construction from 1988 to June 19, 2009 that are not certified may still be eligible. Policies insuring such structures are subject to a 15% surcharge.

Applicants who are non-renewed or cancelled by their private market insurer on or after June 19, 2009, and whose structure is missing a required WPI-8 for construction, alteration, remodeling, enlargement, repair or an addition after that date, may be eligible with a premium based on 110% of the voluntary market rate.