Essential Meeting Information: The Texas Windstorm Insurance Association’s (TWIA) Actuarial & Underwriting Committee will meet virtually to develop a recommendation on the method the Board uses to determine the Association’s 1-in-50 Probable Maximum Loss (PML) for the 2026 storm season. The meeting will be held via Zoom on October 23 at 10:00 a.m. CT and […] The post TWIA Actuarial & Underwriting Committee to Meet to Make Recommendation on 2026 Catastrophe Funding Determination ap...| TWIA
The Texas Windstorm Insurance Association’s (TWIA) Board of Directors met on October 8 to review information related to the Association’s 2025 budget. Select highlights of the proposed budget presentation include: The Board will consider final action regarding the budget at its meeting on November 4 in Corpus Christi. The Board also received a briefing by […]| TWIA
Attention agents: We have two important reminders for you. Your Information in Agent PortalPlease check that your mailing address is correct in the Agent Portal to ensure you receive your 1099-NEC. You can find your mailing address under the Administration tab. If you need to make edits, please click on the pencil icon. If you have any questions, […] The post Check Mailing Address for 1099-NEC appeared first on TWIA.| TWIA
Essential Meeting Information: The Texas Windstorm Insurance Association (TWIA) Board of Directors will hold an interim meeting on Wednesday, October 8, at 1:30 p.m. CT to review preliminary information about the Association’s 2026 budget. The meeting agenda and meeting materials are available. TWIA staff will preview the 2026 budget ahead of the Board’s November 4 […]| TWIA
TWIA rates determine the amount of premium charged to each TWIA policyholder. Adequate rates help ensure TWIA can meet its financial obligations. Rates are set by the TWIA Board of Directors and subject to review by the Texas Department of Insurance (TDI).| TWIA
How to get windstorm and hail insurance from TWIA An application must be submitted to obtain coverage from TWIA. Applications must be submitted by a licensed insurance agent registered with TWIA. Most insurance agents operating in Texas can help you. Contact your insurance agent or insurance company to apply for coverage with TWIA. TWIA is […]| TWIA
TWIA provides a variety of options for payment plans and accepts several forms of payments. For questions about payment options, please contact your agent or reach out to us at payments@twia.org or (800) 788-8247. Assistance This guide shows how to make a payment in the Policyholder Portal. Payment Methods TWIA accepts the following payment methods: […]| TWIA
Published Date: September 26, 2025 TWIA Board to Review 2026 Budget Information at October 8 Meeting | TWIA
TWIA’s core values are the foundation of the Association’s operations, decisions, and actions. They are: Service & RespectWe are committed to serving as a reliable, credible, and respectful provider. Efficiency & StabilityWe are financially stable and can be counted on to fulfill our obligations. Integrity & AccountabilityWe are an ethical organization that is accountable to […]| TWIA
Attention agents: As mentioned in an earlier bulletin sent on August 10, the Texas Legislature has passed a law that prohibits the use of premium financing arrangements for Texas Windstorm Insurance Association (TWIA) policies issued or renewed effective January 1, 2026. The premium financing option will no longer be available in our system after October 8, 2025. Next week, […]| TWIA
The Texas Legislature recently passed several new laws that impact the Texas Windstorm Insurance Association (TWIA). We want to keep you informed about how these changes may affect your work with TWIA and your clients. Over the coming months, TWIA will update our systems, processes, and resources to support the implementation of these new laws. […] The post New Laws Passed: How They May Affect Agents and Policyholders appeared first on TWIA.| TWIA
TWIA’s Assumption Reinsurance Depopulation Program (Assumption Program) for 2026-2027 (Round 10) is beginning soon. Authorized by the Texas Legislature in 2015 and amended in 2019, 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 for […]| TWIA
As we approach the peak of hurricane season, we want to remind you about the policy moratorium process. This message is for informational purposes only. If a policy moratorium becomes likely in the future, we will issue a separate agent bulletin. A policy moratorium means TWIA temporarily stops issuing policies and increasing coverage. During a policy […] The post Information About Policy Moratoriums appeared first on TWIA.| TWIA
The Texas Windstorm Insurance Association Board of Directors met on August 5 and voted to direct staff to file a 0% rate change in the Association’s required annual filing with the Texas Department of Insurance (TDI). The filing, which was approved by a vote of seven to one, with one abstention, will be made by […]| TWIA
TWIA’s 2025 Rate Adequacy Analysis indicates that the Association’s current rates are inadequate by the following percentages: 2025 Residential Rate Indication: 3% 2025 Commercial Rate Indication: 5% Rate Adequacy Presentation* for the July 14, 2025 Actuarial & Underwriting Committee meeting. Pursuant to Texas Insurance Code Section 2210.3511, the Texas Windstorm Insurance Association (TWIA or the Association) is […]| TWIA
TWIA Board of Directors meetings and meetings of Board of Directors Committees are open to the public, except for closed executive sessions. Prior to any meetings, TWIA will post notice of the meeting on the TWIA website and the TDI website.| TWIA
Essential Meeting Information: The Texas Windstorm Insurance Association Board of Directors will meet at the Tremont House Hotel in Galveston on Tuesday, August 5 at 9:00 a.m. CT. The Board is expected to consider the Association’s statutorily required annual rate filing for 2026 policies. The meeting agenda and meeting materials are available. All meetings of […] The post Public Invited to Comment as TWIA Board Considers Annual Rate Filing at August 5 Meeting in Galveston appeared ...| TWIA
The Texas Windstorm Insurance Association’s Actuarial & Underwriting Committee met on July 14. The Committee voted to recommend that the TWIA Board of Directors instruct Association staff to make a rate filing with the Texas Department of Insurance requesting no change in residential or commercial rates when it meets on August 5. The recommendation, on […]| TWIA
Essential Meeting Information: The Texas Windstorm Insurance Association (TWIA) today published its 2025 Rate Adequacy Analysis. TWIA’s Actuarial & Underwriting Committee will meet on July 14 to review the Analysis and develop a recommendation to the TWIA Board of Directors on the Association’s required annual rate filing with the Texas Department of Insurance. The agenda […]| TWIA
TWIA’s annual rate filing process is now underway. As required by law, TWIA must submit a rate filing to the Texas Department of Insurance by August 15. TWIA’s Actuarial & Underwriting Committee will meet on July 14 to consider a rate recommendation to the TWIA Board of Directors. The Board will meet on August 5 to vote on the rate filing […]| TWIA
The Texas Insurance Code Chapter 2210 outlines the composition and objectives of the Texas Windstorm Insurance Association’s Board of Directors. All Board members must have demonstrated experience in insurance, general business or actuarial principles sufficient to make the success of the Association probable.| TWIA
TWIA was established by the Texas Legislature in 1971 to provide wind and hail insurance to 14 Texas gulf coast counties and a portion of Harris county. Learn about our history and purpose, career opportunities, Board meetings, policies, media resources, community outreach, and public reports.| TWIA
Essential Information: The Texas Windstorm Insurance Association’s (TWIA) annual rate filing consideration process is about to begin. By law, TWIA must make a rate filing with the Texas Department of Insurance by August 15 each year. TWIA’s Actuarial & Underwriting Committee will meet in July to decide on a rate recommendation to TWIA’s Board of […]| TWIA
