Windstorm Certification

Ensure your property remains eligible for TWIA coverage by obtaining any needed Certificates of Compliance, also known as WPI-8s or WPI-8-Cs. These certify that your property meets the windstorm building code requirements for your area.

Certify New or Ongoing Improvements (WPI-8)

Start process with TDI

The Texas Department of Insurance (TDI) administers the Windstorm Inspection Program and issues Certificates of Compliance (WPI-8) for ongoing improvements.

Certify Completed Improvements (WPI-8-C)

Start process with TWIA

Effective January 1, 2017, a person may apply to TWIA for a Certificate of Compliance (WPI-8-C) for completed improvements.

TWIA Eligibility and Windstorm Certification Requirements

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 have a Certificate of Compliance (WPI-8 or WPI-8-C) to certify that the structure meets the windstorm building code requirements.
 
Without a Certificate of Compliance, TWIA lacks evidence that the structure conforms to the applicable building code, and the structure may be considered uninsurable and ineligible for coverage with TWIA. Limited exceptions apply.


There Are Two Paths to Certification

Legislation passed in 2015 authorized TWIA to issue Certificates of Compliance (WPI-8-C) for completed improvements beginning January 1, 2017. The Texas Department of Insurance (TDI) continues to administer the Windstorm Inspection Program and issues Certificates of Compliance (WPI-8) for new and ongoing improvements.
 
Without a Certificate of Compliance, TWIA lacks evidence that the structure conforms to the applicable building code, and the structure may be considered uninsurable and ineligible for coverage with TWIA. Limited exceptions apply.


Exceptions to the WPI-8 Certification 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.