TWIA Process Changes Additional Updates

Attention agents: Back in April, we provided you with additional updates regarding the TWIA process changes passed by the Texas Legislature that may impact how you do business with us.    

We remain committed to keeping you informed of developments on these legislative changes. The table below outlines the latest updates.

Law ChangeStatusLatest Updates
The Texas FAIR Plan Association (TFPA) must provide property owners’ association insurance to eligible risks in areas designated by the Insurance Commissioner (HB 998).

This may impact agents who also offer TFPA coverage. 
In progressTDI has proposed new and amended sections for this law. This proposal includes a process and deadline.

On Tuesday, July 16, there will be a hearing to consider public comments on the rule. 

Members of the public are invited to submit written comments via email at by 5:00 p.m. CST on Monday, July 29. 
TWIA is authorized to establish standards and performance requirements for agents who offer or sell TWIA policies (SB 2232).In progressA draft is being finalized internally for review and comment by the Agent Advisory Group (AAG), and implementation is expected by late 2024.  
Policy nonrenewal notice requirements will change from 30 to 60 days (HB 1900). 

This change applies to all property and casualty insurers in Texas.
In progressThe expected implementation date is late 2024.
The automatic renewal process is no longer required for commercial policies (SB 2233).  
This means agents must manually take action to place commercial renewals into the renewal workflow.
CompletedThis change was implemented in May 2024 and communicated in this Agent Bulletin
The Insurance Commissioner, with TWIA’s advice, is required to set deadlines for the appraisal process (HB 3310).   CompletedThis applies to TWIA appraisals demanded on or after January 1, 2024. TDI has adopted the final rules for this law.
When a policyholder cancels a policy, the unearned premium is refunded only if the policy was cancelled for reasons specified by law (HB 3208). CompletedThis change was implemented in October 2023 and communicated in this Agent Bulletin.   

This message and all TWIA Agent Bulletins are archived on our Agent Announcements page.

If you have any questions, please contact Policy Services at or call (800) 788-8247. Our regular business hours are Monday through Friday, 8:00 a.m. to 5:00 p.m.