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Don’t 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 won’t 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. Don’t 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.
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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).
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.
Description
Residential
Dwelling Building and Contents
Dwellings, including individually owned townhouse units and associated corporeal moveable property.
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.
Mobile Home
Building and Contents
Commercial
Commercial
Building and Contents
Commercial structure other than a dwelling or public building and the corporeal moveable property located in that structure.
Governmental
Building and Contents
Governmental buildings and corporeal moveable property located in that structure.
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)***
Building Code
