Windstorm Certification

Effective June 1, 2020, TWIA is no longer accepting applications for Certificates of Compliance. The windstorm certification process is now administered solely by the Texas Department of Insurance (TDI) Windstorm Inspection Program.

 

TDI Windstorm Inspection Program

The Certificates of Compliance issued by TWIA (WPI-8-C) between January 1, 2017 and May 31, 2020 (and those issued as a result of applications submitted to TWIA on or before May 31, 2020) will remain valid. Property owners do not have to re-certify the certified structure to remain eligible for TWIA insurance, unless they update the structure after being certified.

This change is the result of legislation passed in 2019. To learn more, please visit the Changes at TWIA webpage.

What is a Certificate of Compliance? And why are they a TWIA eligibility requirement?

If you are a Texas coastal property owner who needs to get wind and hail insurance through TWIA, the Texas Insurance Code Chapter 2210 requires your property to be certified as meeting windstorm building code requirements in your area. This Windstorm Certificate of Compliance must be provided to TWIA before the property can be eligible for TWIA coverage.
 
Without a Certificate of Compliance, TWIA lacks evidence that the structure conforms to applicable building codes, and it may be considered uninsurable and ineligible for coverage with TWIA.
 
Visit our Coverage and Eligibility webpage to learn more about TWIA eligibility requirements.

Exceptions to TWIA’s Windstorm Certification Requirement

As outlined in the Texas Insurance Code, there are two exceptions to the TWIA eligibility requirement:

  • Properties with construction from 1988 to June 19, 2009 that are not certified may still be eligible for TWIA coverage. These properties must pay a 15% surcharge based on, and in addition to, their policy premium amount.
  • Properties that are non-renewed or cancelled by their private market insurance company and missing a required WPI-8 at the time of policy non-renewal/cancellation. These properties may be eligible for TWIA coverage with a premium based on 110% of the voluntary market rate.

Glossary of Terms

Certificates of Compliance go by several names:

  • WPI-8: A Certificate of Compliance issued by the Texas Department of Insurance for new and ongoing improvements.
  • WPI-8-E: A Certificate of Compliance issued by the Texas Department of Insurance for completed improvements. The Texas Department of Insurance began accepting applications for WPI-8-Es on June 1, 2020.
  • WPI-8-C: A Certificate of Compliance issued by TWIA for completed improvements. TWIA accepted applications for WPI-8-Cs from January 1, 2017 to May 31, 2020.

Additional terms to know:

  • New and ongoing improvement: These are improvements whose construction has not begun or has not finished yet. This includes new structures and the following changes to existing structures: alterations, remodeling, enlargement, repairs (including reroofing), and additions.
  • Completed improvement: A completed improvement is defined as:
    • An improvement in which the original transfer of title from the builder to the initial owner of the improvement has occurred, or
    • If a transfer is not contemplated, an improvement that is substantially completed.
  • Substantially completed: An improvement for which the final framing stage, including attachment of component and cladding items and installation of windborne debris protection, has been completed. If the improvement’s windborne debris protection consists of wood structural panels, all the panels must be present at the improvement’s location but need not be installed.

How to Get a Certificate of Compliance

As of June 1, 2020, all Certificates of Compliance are issued by the Texas Department of Insurance as part of its Windstorm Inspection Program. Please visit the TDI website to learn more about their certification process: www.tdi.texas.gov/wind

What Needs a Certificate of Compliance

Some common examples of improvements that need to be certified include:

  • New structures
  • Building additions/enlargements
  • Windows, entry doors, and garage doors
  • Patio covers
  • Decks
  • Replacing a roof or repairing a significant portion of a roof
  • Re-siding a significant portion of an exterior wall

Please contact TDI to verify if your improvement needs to be certified.
 
TDI Windstorm Inspection Program

What Doesn’t Need a Certificate of Compliance

A full list of improvements that do not need to be certified is available on the TDI website. Some examples include:

  • Painting, carpeting, and refinishing work
  • Plumbing and electrical repairs
  • Fence repair
  • Repair or replacement of gutters
  • Temporary repairs after a storm

How to Look Up Existing Certificates of Compliance

Any Certificates of Compliance issued by TDI (WPI-8/WPI-8-E) are searchable on the TDI online database.
 
Property owners looking for a Certificate of Compliance issued by TWIA (WPI-8-C) between January 1, 2017 and May 31, 2020, can contact us to request a copy by emailing agentservices@twia.org or calling (800) 231-5360.
 
Certificates issued by TWIA are not currently available on TDI’s website, nor are they available on TWIA’s website. TWIA accepted applications for WPI-8-Cs from January 1, 2017 to May 31, 2020. If you are looking for a Certificate of Compliance before or after that date range, it would have been processed and/or issued by TDI.

TWIA’s History of Issuing Certificates of Compliance

TWIA began issuing Certificates of Compliance on January 1, 2017, as a result of legislation passed in 2015. TWIA stopped issuing Certificates of Compliance on May 31, 2020, as a result of legislation passed in 2019.
 
From January 1, 2017 to May 31, 2020, there were two routes to obtain a Certificate of Compliance – one through TWIA and the other through TDI – and which one property owners followed was based on the construction status of the improvement to be certified.
 
As of June 1, 2020, there is only be one route to certification: through TDI.

Where to Learn More

The Texas Department of Insurance (TDI) administers the Windstorm Inspection Program and issues all Certificates of Compliance.
 
TDI Windstorm Inspection Program