Complete your Texas Windstorm & TWIA file
Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.
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Coastal, RV & Life • Licensed Texas Agency
Texas Windstorm & Hail Insurance Quotes (TWIA & Private Coastal)
Live along the Texas Gulf Coast where standard insurers exclude wind and hail? Our licensed Texas coastal producers quote both TWIA and private windstorm alternatives—and verify WPI-8 / WPI-8-E certificate eligibility.
✓ All 14 Tier 1 Coastal Counties
✓ TWIA + Private Markets
✓ WPI-8 Verification
30+ Texas Carriers Compared
Quote Texas Windstorm & TWIA
Enter your 5-digit Texas ZIP code to launch our guided Texas Windstorm & TWIA intake—zero duplicate typing.
Want to bundle another policy? Select multiple coverages in one intake →
Complete Coastal Territory
Serving Brazoria, Calhoun, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy, Aransas, Cameron & East Harris.
TWIA vs. Private Depopulation
Compare statutory TWIA rates against private coastal wind carriers when dwelling age and roof specs qualify.
Seamless Companion HO-3
Pair windstorm seamlessly with a 'wind-excluded' Homeowners or Commercial Property policy in one intake.
What Texas Windstorm & TWIA covers — and Texas rules to watch
Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.
Core Protections
What’s Covered
- Hurricane, Tropical Storm & Tornado Wind: Covers direct physical damage to roofs, siding, windows, framing, and garages caused by named hurricanes, coastal gales, and tornadoes.
- Hailstorm Roof & Exterior Damage: Covers hail impact damage across coastal and bayfront Texas communities where primary property forms carry a Wind/Hail Exclusion (HO-140).
- Wind-Driven Rain Through Storm Openings: Covers interior drywall, floors, and personal property when wind or hail first creates an opening in the roof, window, or wall.
- Additional Living Expense Extensions: Available endorsements on residential windstorm policies to help cover temporary housing after a major hurricane.
- Commercial & Condo Association Windstorm: TWIA and excess coastal wind capacity for coastal offices, retail buildings, rentals, and townhome/condo structures.
- Replacement Cost & Building Code Endorsements: Indirect loss and building code upgrade endorsements for older coastal structures.
Texas Underwriting Watch-Outs
Exclusions, Deductibles & Endorsements
- WPI-8 / WPI-8-E Windstorm Certificate Requirement: Under Tex. Ins. Code Ch. 2210, new roofs, replacement windows, garage doors, and additions in designated catastrophe areas require a TDI Certificate of Compliance (WPI-8 or WPI-8-E) to remain eligible for TWIA.
- TWIA Mandatory Flood Insurance Trigger: For properties constructed, altered, remodeled, or enlarged after Sept. 1, 2009 located in FEMA Zone V (or certain Zone A areas), TWIA legally requires active flood insurance as a condition of windstorm eligibility.
- Named-Storm vs. Wind/Hail Deductibles: Coastal policies use 1% to 5% deductibles—always coordinate your companion HO-3 policy so you never pay conflicting deductibles.
- Declination Requirement for TWIA: By statute, TWIA requires at least one declination from a voluntary private insurer—our agency handles and documents statutory market checks automatically.
How We Shop Your Rate
One 3-minute intake. 30+ Texas carriers competing.
Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.
Licensed Texas agent shops the panel
A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.
Soft inquiry • Never hurts credit
Bind & receive official proof
Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.
All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Bundle & companion Texas coverages
Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.
Smart Texas Pairing
Coastal Homeowners (Ex-Wind) + TWIA
Quote your fire/theft/water HO-3 policy and coastal windstorm coverage together with zero gaps.
Smart Texas Pairing
Windstorm + Flood Trio
Satisfy TWIA's Zone V statutory flood rule and protect against storm surge vs. hurricane wind disputes.
Smart Texas Pairing
Coastal Landlord Rental + Wind
Insure Galveston, Port Aransas, Rockport, Corpus Christi, and South Padre vacation or long-term rentals.
Texas Windstorm & TWIA — Frequently asked questions
Answers to the most common Texas statutory, lender, and underwriting questions.
The 14 first-tier coastal counties—Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy—plus coastal communities in Harris County east of Highway 146.
A WPI-8 (issued by TDI) or WPI-8-E (issued via a Texas-licensed professional engineer after completion) certifies that roofing, windows, or structural work met Texas coastal windstorm building codes. Our agents check TDI's public WPI-8 database by address during underwriting.
A licensed windstorm engineer can often inspect the existing roof and submit a WPI-8-E post-construction certification to restore TWIA eligibility, or we can quote private/surplus coastal wind markets.
No—TWIA covers wind and hail only. Storm surge and rising water require a separate NFIP or Private Flood policy.
Yes. TWIA and private coastal windstorm carriers bill mortgage escrow servicers directly for closings and renewals.