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Recent Texas Hurricanes

Donít Be Caught Without Windstorm Insurance Coverage! - After the recent catastrophic hurricane seasons and with many people still trying to put their homes and lives back together, is your home covered for hurricane or other windstorm damage so you wonít be the next victim? If you live in one of the Texas' coastal counties, then you know how devastating and costly a storm can be. Donít let an unexpected storm, like Rita, cost you. With the latest and most effective wind resistant construction, you will have a stronger structure and a better opportunity to obtain windstorm and hail insurance coverage through the Texas Windstorm Insurance Association or the voluntary market.

Territory

TWIA's territory includes the following fourteen (14) counties along the Texas gulf coast and parts of Harris county:

TWIA's territory includes the following fourteen (14) counties along the Texas gulf coast and parts of Harris county:

     

Aransas

Galveston

Matagorda

Brazoria

Harris County (partial)*

Nueces

Calhoun

Jefferson

Refugio

Cameron

Kenedy

San Patricio

Chambers

Kleberg

Willacy

 

 

 

* Part of Harris County - When located inside city limits and east of highway 146, the following portions of Harris County are also included:

 

 

 

LaPorte

Pasadena

Shore Acres

Morgan's Point

Seabrook

 

 


 
  • Commerical

Commercial buildings, business personal property, townhouses and condominiums.

For example, signs, fences, swimming pools, flag poles.

 

For additional details, click p. 48 - Building Code Compliance Information from TWIA Instructions and Guidelines Manual and click the Insurable Property Section of TWIA's Plan of Operation located on TDI's site under the Texas Administrative Code (Title 28, Part I, Chapter 5, Subchapter E, Division I, Rule 5.4001, Item Number (1) The Policy (B) Insurable Property).

 

Deductibles
Residential

Insured Item:

Dwelling or
Farm and Ranch Dwelling

Available deductibles: 1% but not less than $100
(standard deductible)
$100 Flat - optional deductible $250 Flat - optional deductible Large deductible (1.5%, 2.0%, 2.5%,3.0%, 4.0%, 5.0%) - optional deductible    

Applies to dwelling, its personal property, and dwelling outbuildings on a per item basis. For full details, see TWIA Instructions and Guidelines Manual, (Rating) pp. 41-44.

   

Mobile Home

1% and
$250
minimum

  For property located:
1- Inland of the intracoastal waterway
or
2- Seaward of the intracoastal waterway and protected by an approved seawall.

    2% and
$250
minimum
For property located seaward of the intracoastal waterway and not protected by an approved seawall.

   

Commercial

Insured Item:

All commercial,
including
Farm and Ranch Barns,
Miscellaneous Farm Property, Apartments, Townhouses, Condos

 

Available deductibles: 1/2 percent per occurrence commercial standard deductible ($500 minimum) or Optional Flat deductibles Form 65 ($1,000 - $75,000)  

For full details, see TWIA Instructions and Guidelines Manual pp. 21-22 and 24-25.

 

Limits

   

 
Statutory Limit

Description

June 2006
Jan 2007
 

Residential

     

Dwelling Building and Contents

Dwellings, including individually owned townhouse units and associated corporeal moveable property.

 

$1,500,000
$1,597,000

Apartment, Condo, Townhouse
Contents Only

Individually owned corporeal moveable property located in an apartment unit, residential condominium unit, or townhouse unit that is occupied by the owner of that property.

 

$163,000
$173,000

Mobile Home
Building and Contents

 

$84,000
$84,000

Commercial

     

Commercial
Building and Contents

Commercial structure other than a dwelling or public building and the corporeal moveable property located in that structure.

 

$3,000,000
$3,206,000

Governmental
Building and Contents

Governmental buildings and corporeal moveable property located in that structure.

 

$3,000,000
$3,206,000

 

For more information about obtaining or maintaining windstorm insurance coverage when you build, remodel, add-on, repair or re-roof a structure, the Texas Department of Insurance (TDI) encourages you to contact your insurance agent .

***Application Status/Re-Print of Certificate of Compliance (WPI-8)***

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