Texas Windstorm Insurance Association

Texas win dstorm insurance association

Regardless of the state you are licensed in, as an All Lines or Property/Casualty Adjuster you will eventually work claims in Texas — especially in the costal cities. Texas Windstorm has requirements for contractors that is much more stringent than what applies to the rest of the state. If you are working claims in one of the 14 counties that boarder the Gulf, you will want to contact TWIA for a list of those guidelines.

 

TWIA’s Purpose

When Hurricane Celia struck the Texas coast on August 3, 1970, many insurance companies ceased to write business in this region. To protect consumers, the state stepped in and in 1971 created the Texas Catastrophe Property Insurance Association (now called the Texas Windstorm Insurance Association).

Texas Windstorm Insurance Association (TWIA) is a ‘pool’ of all property and casualty (P&C) insurance companies authorized to write coverage in Texas. TWIA provides basic wind and hail insurance coverage for Gulf Coast property owners who might otherwise be left uninsured. Because TWIA is the provider of last resort, we do not try to expand our customer base or actively compete against private insurance providers. Chapter 2210 of the Texas Insurance Code defines the structure of TWIA.

Mission Statement

The Texas Windstorm Insurance Association (TWIA) is the state’s insurer of last resort for wind and hail. This coverage is for the fourteen coastal counties and parts of Harris County (east of Highway 146). TWIA provides wind and hail coverage when insurance companies exclude it from their homeowners and other property policies sold to coastal residents. TWIA employees are committed to promote hurricane safety and education. This education is with the development and enforcement of coastal building codes, in an effort to save lives and property. We strive to achieve the highest standards of personal and business ethics. And we strive to do so in a positive working environment. TWIA is dedicated to providing efficient, friendly and effective customer service.

Coverage

TWIA is similar to other insurance carriers in that we have a written contract that specifies the extent and restrictions of the insurance coverage we provide. We collect premiums and pay valid claims. Our policies are distributed to policyholders owning property in 14 first-tier counties (and parts of Harris County) along the Texas Gulf Coast through insurance agents, brokers and direct writers.

Traditional, for-profit insurance companies must assess risk differently than we do. Generally, when estimated risk is low, traditional markets provide windstorm coverage for high-risk areas. They may withdraw from this territory after catastrophic losses occur. When risk is higher and traditional markets withdraw, TWIA absorb policies no longer written by other carriers. Because we are a provider of last resort, it is very likely that we will not have the most extensive coverage or the lowest prices.

Companies that adjust claims for TWIA:

1. Advanced Claims Concepts, Inc. …………………………………20. Insurance Placement Solutions
2. Alamo Claim Service……………………………………………………21. Insurance Recruiting Specialists
3. Allcat Claims Service……………………………………………………22. Leading Edge Claim Service
4. AMCAT………………………………………………………………………..23. Mariposa Insurance Service, LTD
5. ANL Adjusting Company, Inc. ……………………………………..24. Mason Claims Service
6. BrightClaim Inc. ………………………………………………………….25. National Claims Adjusters, Inc.
7. Church & Company Adjusting, LLC………………………………26. NCA Group
8. Cimarron Claims Service……………………………………………..27. Nomad Adjusting, LLC
9. Claim Adjustment Specialists………………………………………28. One Call Claims
10. Claim Consultants Group, LLC…………………………………..29. Pacesetter Claims Service
11. Crawford & Company………………………………………………..30. RJMW Claims Service
12. Cunningham Lindsey…………………………………………………31. Schafer Wood & Associates Inc.
13. Eberl Claim Service……………………………………………………32. Tailored Adjustment Services, Inc.
14. Engle Martin & Associates, Inc. …………………………………33. The Littleton Group
15. Fourseventy Claims, LLC……………………………………………34. Trinity Claims Service, LLC
16. Gentry Claims……………………………………………………………35. TSI Adjusters, Inc.
17. Ideal Adjusting…………………………………………………………..36. TWIA – Corporate Employees Only
18. Inspec-Tex, Inc. …………………………………………………………37. US Adjusting Services
19. Jones Consulting………………………………………………………..38. Wardlaw Claims Service

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Texas windstorm insurance association Texas windstorm insurance association

To become an insurance adjuster, you need either the ALL LINES or PROPERTY & CASUALTY license. AdjusterLicenseOnline with TXALA offers both of these licenses through the state of TEXAS. Why is that important? Texas literally wrote the book on insurance, and it was so comprehensive that over 30 states adopted it via reciprocity. This one license gives you a virtual nationwide reach. So even if you have a license from your home state, you still need a Texas license. Most successful adjusters have a Texas license. Click here to Register.


 

 

Texas Windstorm Insurance Association