A
Actual Cash Value (TWIA)
Actual Cash Value is the claim settlement basis that starts with the cost to repair or replace damaged property and then subtracts depreciation for age, condition, and wear. TWIA says a dwelling or commercial policy without the correct replacement cost endorsement is processed at actual cash value instead of replacement cost value.
Why It MattersThis is one of the fastest ways a coastal Texas claim can feel smaller than expected. The declarations page, coinsurance percentage, and attached endorsements decide whether TWIA starts at ACV or RCV.
Charles in Plain EnglishIf the endorsement is missing, the math changes before the adjuster ever gets there.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedReplacement Cost Coverage (TWIA)Depreciation (TWIA)TWIA-802
Additional Living Expense (TWIA)
Additional Living Expense, or ALE, is optional TWIA coverage that may reimburse necessary and reasonable extra living costs when a primary residence is uninhabitable because of covered wind or hail damage. TWIA says ALE is not automatic and is not available for secondary residences.
Why It MattersCoastal families often assume temporary housing is built into the policy. On TWIA, the client needs to look for endorsement TWIA-311 and the stated limit before storm season.
Charles in Plain EnglishA house can be damaged enough to move you out and still not have ALE unless the endorsement is there.
SourceTWIA, Additional Living Expenses Coverage
RelatedTWIA-311Wind-Driven Rain (TWIA-321)Loss Settlement (TWIA)
Appraisal (TWIA Claim Dispute)
Appraisal is a claim dispute process used when the policyholder and TWIA disagree about the amount of covered loss. It is about valuation, not whether a loss is covered by the policy.
Why It MattersAfter a coastal storm, disagreement over roof scope, labor, materials, and depreciation can become a numbers dispute. Appraisal is not a substitute for reading the coverage grant, exclusions, and endorsements before the loss.
Charles in Plain EnglishAppraisal can argue the amount. It cannot add coverage the contract never gave you.
SourceTWIA, Inside a Policy
RelatedLoss Settlement (TWIA)Depreciation Recovery (TWIA)Roof Replacement (TWIA)
B
Building Code Compliance
Building code compliance means construction, alterations, repairs, additions, or reroofs in the designated catastrophe area meet the windstorm building standards adopted by TDI. Starting April 1, 2026, TDI says WPI-1 applications must be certified under either the 2024 International Residential Code or 2024 International Building Code.
Why It MattersTWIA eligibility is tied to the windstorm program. A roof or addition can create an insurance problem later if the compliance path was not handled during the work.
Charles in Plain EnglishThe cheapest roof can become the most expensive roof if it cannot prove compliance.
SourceTDI, Adopted Windstorm Building Codes
RelatedWindstorm Certificate of ComplianceWPI-8WPI-8-E
C
Catastrophe Reserve Trust Fund
The Catastrophe Reserve Trust Fund is part of TWIA funding under Texas Insurance Code Chapter 2210. TWIA describes it as an account containing net gains from prior TWIA operations that is used after current premiums and other revenue in the statutory funding sequence.
Why It MattersThis term matters because TWIA is a market of last resort with a specific public funding structure. It is not the same thing as a private carrier balance sheet.
Charles in Plain EnglishTWIA is not just a policy. It is a Texas coastal funding system built for the storm year.
SourceTWIA, Funding 101
RelatedTexas Windstorm Insurance Association (TWIA)Insurer of Last ResortSeacoast Territory
Coastal Property Insurance
Coastal property insurance is the layered insurance structure often needed for Texas Gulf Coast property. A coastal household may have a homeowners policy for most perils, a TWIA policy for wind and hail, and a separate flood policy for rising water or storm surge.
Why It MattersThe mistake is treating TWIA as if it replaces the home policy. TWIA is wind and hail only. Fire, theft, liability, flood, and many other exposures must be handled elsewhere.
Charles in Plain EnglishOn the coast, one house can need three contracts before it is actually protected.
SourceTWIA, Inside a Policy
RelatedWind and Hail Only PolicyFlood Insurance Requirement (TWIA)Wind and Hail Exclusion
Commercial TWIA
Commercial TWIA is windstorm and hail coverage for eligible commercial property in the designated catastrophe area when private market wind and hail coverage is not reasonably available. TWIA commercial forms can include different endorsements, including TWIA-164 for replacement cost and TWIA-432 for Increased Cost of Construction.
Why It MattersCommercial coastal property needs a deeper review because lease obligations, lender requirements, business income, certificates, and property valuation all intersect with wind and hail.
Charles in Plain EnglishA commercial TWIA policy is not just bigger home insurance. The contract has business consequences.
SourceTWIA, Forms, Sample Policies, Endorsements, Certificates
RelatedTWIA-164TWIA-431Wind and Hail Only Policy
D
Declarations Page (TWIA)
The TWIA declarations page is the front summary of the policy. TWIA says it shows the policy number, coverage period, agent, mortgagee, coverage forms, property description, coinsurance requirement, deductible, form numbers, limits, premium, credits, and surcharges.
Why It MattersThe declarations page is where clients can see the pieces that matter before a claim. Replacement cost endorsement, coinsurance percentage, deductible, and coverage forms should be checked every renewal.
Charles in Plain EnglishThe dec page is the table of contents for the claim you hope never happens.
SourceTWIA, Inside a Policy
RelatedPercentage Deductible (TWIA)Replacement Cost Coverage (TWIA)TWIA-802
Depreciation (TWIA)
Depreciation is the amount subtracted from repair or replacement cost to reflect age, condition, and wear when a claim is settled at actual cash value. TWIA explains that recoverable depreciation may be paid later when replacement cost coverage applies and repairs are completed.
Why It MattersA client may see a lower first claim payment and think the claim is wrong. Sometimes the issue is the ACV first payment and the documentation needed to recover depreciation.
Charles in Plain EnglishDepreciation is not small print. It is claim money held back until the policy says it can be released.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedDepreciation Recovery (TWIA)Actual Cash Value (TWIA)Replacement Cost Coverage (TWIA)
Depreciation Recovery (TWIA)
Depreciation recovery is the supplemental payment process that may occur after repairs or replacement are completed on a TWIA policy with replacement cost coverage. TWIA says documentation of repairs must be submitted within 545 days of receiving the initial claim payment.
Why It MattersThe 545-day clock matters. A policyholder who repairs late or fails to document completed work can lose access to money they thought was already part of the claim.
Charles in Plain EnglishThe second check usually belongs to the paperwork, the contractor, and the calendar.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedDepreciation (TWIA)Replacement Cost Coverage (TWIA)Loss Settlement (TWIA)
Designated Catastrophe Area
A designated catastrophe area is a coastal Texas area in TDI's windstorm program where eligible property may need TWIA for windstorm and hail coverage. TDI says construction must be located within the designated catastrophe area to be eligible for TWIA coverage.
Why It MattersEligibility begins with geography. Most first-tier coastal counties are fully inside the program, while Harris County is limited to specific cities east of Highway 146.
Charles in Plain EnglishThe first TWIA question is not the premium. It is whether the address is even in the territory.
SourceTDI, Adopted Windstorm Building Codes
RelatedFirst-Tier Coastal CountyHarris County East of Highway 146Eligibility (TWIA)
Dwelling Limit (TWIA)
The dwelling limit is the amount of TWIA Coverage A on the insured structure. On a TWIA declarations page, it should be compared against replacement cost, coinsurance requirements, and any attached replacement cost endorsement.
Why It MattersA coastal home can be insured for less than the cost to rebuild. When that happens, the issue is not just premium. It is whether the contract can fund the repair after wind or hail.
Charles in Plain EnglishThe limit should be built around the house you have to rebuild, not the premium you want to see.
SourceTWIA, Inside a Policy
RelatedDeclarations Page (TWIA)Replacement Cost Coverage (TWIA)TWIA-802
E
Eligibility (TWIA)
TWIA eligibility generally requires property to be in the designated catastrophe area, proof that wind and hail coverage was not available from at least one authorized insurer, compliance with windstorm building code requirements, flood proof when required, and underwriting acceptability.
Why It MattersTWIA is not simply a choice between carriers. It is a statutory eligibility path with geography, private-market declination, compliance, and documentation rules.
Charles in Plain EnglishTWIA is available when the property qualifies. The file has to prove it.
SourceTWIA, Forms, Sample Policies, Endorsements, Certificates
RelatedDesignated Catastrophe AreaWindstorm Certificate of ComplianceFlood Insurance Requirement (TWIA)
Excess Wind Insurance
Excess wind insurance is additional windstorm coverage above an underlying wind and hail policy limit, often considered when TWIA limits or private wind limits do not fully match the property's replacement cost exposure.
Why It MattersHigher-value coastal homes and commercial properties may need more than the base wind policy provides. Excess wind should be reviewed alongside the dwelling limit, deductible, and policy exclusions.
Charles in Plain EnglishIf the first wind policy stops short, excess wind is where the conversation starts.
SourceTWIA, Inside a Policy
RelatedDwelling Limit (TWIA)Commercial TWIAWind and Hail Only Policy
F
First-Tier Coastal County
A first-tier coastal county is one of the Texas coastal counties listed in Texas Insurance Code Chapter 2210. TDI lists Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Willacy, and certain Harris County cities east of State Highway 146 in its windstorm program guidance.
Why It MattersThe term controls the coastal geography where windstorm inspection and TWIA eligibility questions are most common.
Charles in Plain EnglishFirst-tier is Texas code language for the coast where wind becomes a contract issue.
SourceTDI, Windstorm Inspection Program general information
RelatedDesignated Catastrophe AreaSeacoast TerritoryHarris County East of Highway 146
Flood Insurance Requirement (TWIA)
The TWIA flood insurance requirement can apply when any part of the property is in a V, VE, or V1-V30 flood zone, NFIP coverage is available, and the structure is constructed, altered, remodeled, or enlarged after September 1, 2009. TWIA says agents must keep proof of flood coverage when the requirement applies.
Why It MattersCoastal wind and flood often arrive in the same storm, but they are separate contracts. A TWIA wind policy does not cover flood damage.
Charles in Plain EnglishIf the water rises, TWIA is not the flood policy. That contract has to be there separately.
SourceTWIA, Flood Insurance Requirements
RelatedCoastal Property InsuranceWind and Hail Only PolicyHouston Flood Insurance
H
Harris County East of Highway 146
Harris County is not entirely within the TDI windstorm program. TDI says the structure must be east of Highway 146 and within the city limits of the listed cities shown on the catastrophe area map, including La Porte, Morgan's Point, Pasadena, Seabrook, and Shoreacres under TDI general guidance.
Why It MattersThis matters for eastern Harris coastal communities because nearby addresses may not be treated the same. A ZIP code is not enough. The actual location controls.
Charles in Plain EnglishTwo houses can be close on a map and still land in different windstorm worlds.
SourceTDI, Adopted Windstorm Building Codes
RelatedDesignated Catastrophe AreaFirst-Tier Coastal CountyEligibility (TWIA)
Hurricane Deductible (TWIA)
A hurricane deductible is the deductible amount that may apply to a covered hurricane wind or hail loss under the policy terms. On TWIA, the deductible shown on the declarations page is one of the most important cost-sharing decisions the policyholder makes.
Why It MattersA larger deductible can lower premium but moves more storm cost back to the family or business. The question is not just whether the deductible is legal. The question is whether it is comfortable after a real loss.
Charles in Plain EnglishThe deductible should fit your cash reality, not just your premium target.
SourceTWIA, Inside a Policy
RelatedPercentage Deductible (TWIA)Dwelling Limit (TWIA)Declarations Page (TWIA)
I
Increased Cost of Construction (TWIA)
Increased Cost of Construction, or ICC, is optional TWIA coverage that helps pay extra repair costs when updated local ordinances or laws require upgraded repair methods or materials after a covered loss. TWIA says ICC is not automatic and must be added through TWIA-431 for residential policies or TWIA-432 for commercial policies.
Why It MattersOlder coastal properties can face code-upgrade costs after a storm. Without ICC, those additional costs may sit outside the base claim payment.
Charles in Plain EnglishThe storm damages the house. The building department can change the repair bill.
SourceTWIA, Increased Cost of Construction Coverage
RelatedTWIA-431Building Code ComplianceCommercial TWIA
Indirect Loss (TWIA)
Indirect loss is damage or expense that flows from a covered wind or hail loss but is not the direct physical damage itself. TWIA reorganized several indirect loss coverages into endorsements including TWIA-311 for ALE, TWIA-321 for wind-driven rain, and TWIA-331 for consequential loss.
Why It MattersIndirect loss language is where clients often assume more than the policy grants. The endorsement number and the facts of the loss matter.
Charles in Plain EnglishThe damage is one question. What follows from the damage is a second contract question.
SourceTWIA, Four New TWIA Endorsements
RelatedAdditional Living Expense (TWIA)Wind-Driven Rain (TWIA-321)Specified Building or Structure Exclusion (TWIA-810)
Insurer of Last Resort
TDI describes TWIA as the insurer of last resort for wind and hail coverage on structures in designated catastrophe areas along the Texas Gulf Coast. TWIA provides coverage when wind and hail insurance is not reasonably available in the private market.
Why It MattersThis explains the role TWIA plays. It is not a normal optional carrier comparison. It exists because coastal wind and hail availability is different from inland Texas.
Charles in Plain EnglishTWIA exists for the part of the market private carriers often step away from.
SourceTDI, Windstorm Inspection Program general information
RelatedTexas Windstorm Insurance Association (TWIA)Eligibility (TWIA)Designated Catastrophe Area
L
Loss Settlement (TWIA)
Loss settlement is the way TWIA calculates and pays a covered claim under the policy. The settlement can depend on actual cash value, replacement cost endorsements, deductible, coinsurance percentage, repair documentation, and whether depreciation can be recovered.
Why It MattersA client can have coverage and still misunderstand the payment sequence. The declarations page and endorsements explain how the claim math will run.
Charles in Plain EnglishCoverage tells you whether the door opens. Loss settlement tells you how much walks through it.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedActual Cash Value (TWIA)Replacement Cost Coverage (TWIA)Depreciation Recovery (TWIA)
N
Named Storm Moratorium
A TWIA policy moratorium limits new policies, increased limits, and certain changes when a hurricane is designated by the National Weather Service and is within the stated Gulf boundary. TWIA says the moratorium is lifted when the General Manager determines the storm no longer threatens property in the coverage area.
Why It MattersWaiting until the storm is in the Gulf can close the door on changes. Coastal insurance has to be handled before the radar makes the decision urgent.
Charles in Plain EnglishThe Gulf does not wait for paperwork, and TWIA may not let you change the file once the storm is in play.
SourceTWIA, Policy Moratoriums
RelatedEligibility (TWIA)Hurricane Deductible (TWIA)Wind and Hail Only Policy
P
Personal Property Coverage (TWIA)
Personal property coverage is TWIA Coverage B for contents or corporeal movable property covered by the policy. The TWIA declarations page identifies whether coverage applies to structure, personal property, or both.
Why It MattersA coastal property owner may insure the building and assume contents are automatically handled. TWIA separates the coverage parts, and the form numbers matter.
Charles in Plain EnglishCoverage A is the structure. Coverage B is the stuff. Do not confuse the two.
SourceTWIA, Inside a Policy
RelatedTWIA-365Declarations Page (TWIA)Replacement Cost Coverage (TWIA)
Percentage Deductible (TWIA)
A percentage deductible is a deductible calculated as a percentage of the insured limit rather than as a flat dollar amount. On wind and hail coverage, the percentage deductible can make the out-of-pocket cost much larger as the insured value rises.
Why It MattersA two percent deductible on a high-value coastal property is not the same pain as a flat deductible. Families and businesses need to convert the percentage into real dollars before they choose it.
Charles in Plain EnglishA percentage deductible looks small until you multiply it by the dwelling limit.
SourceTWIA, Inside a Policy
RelatedHurricane Deductible (TWIA)Dwelling Limit (TWIA)Declarations Page (TWIA)
R
Replacement Cost Coverage (TWIA)
Replacement cost coverage is TWIA claim settlement that can pay the cost to repair or replace covered property without depreciation, subject to policy terms and completed repair documentation. TWIA says replacement cost coverage is provided by TWIA-802 for dwelling policies and TWIA-164 for commercial policies.
Why It MattersReplacement cost is not just a nice phrase. The correct endorsement and coinsurance percentage determine whether the policy can move beyond actual cash value.
Charles in Plain EnglishReplacement cost is not assumed. On TWIA, you confirm it on the dec page.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedTWIA-802TWIA-164Depreciation Recovery (TWIA)
Roof Replacement (TWIA)
Roof replacement is a common windstorm project that can require windstorm certification when located in the designated catastrophe area. TWIA lists replacing a roof or repairing a significant portion of a roof as an example of an improvement that needs certification.
Why It MattersA roof can be replaced before the policy year and still create a coverage or eligibility problem later if the certificate was not handled correctly.
Charles in Plain EnglishIn coastal Texas, the roof is not just construction. It is insurance evidence.
SourceTWIA, Windstorm Certificates of Compliance
RelatedWindstorm Certificate of ComplianceBuilding Code ComplianceWPI-8
S
Seacoast Territory
Seacoast territory is the coastal Texas territory referenced in Texas Insurance Code Chapter 2210 when the commissioner designates catastrophe areas for windstorm and hail insurance availability. It is the statutory geography behind TWIA's coastal purpose.
Why It MattersThe phrase explains why TWIA is tied to the Texas coast and why inland property generally belongs in a different wind and hail market conversation.
Charles in Plain EnglishSeacoast territory is the legal language behind the coastal risk everybody can see.
SourceTexas Insurance Code Chapter 2210
RelatedFirst-Tier Coastal CountyDesignated Catastrophe AreaTexas Windstorm Insurance Association (TWIA)
Specified Building or Structure Exclusion (TWIA-810)
TWIA-810 is the Specified Building or Structure Exclusion Endorsement. TWIA says it was created to make excluded items more visible on a dwelling policy while allowing coverage to continue for the remaining eligible property.
Why It MattersA client should not assume every structure on the property is covered. If TWIA-810 is attached, the excluded item needs to be read before storm season.
Charles in Plain EnglishThe building left off the contract is the building that will hurt you after the storm.
SourceTWIA, Four New TWIA Endorsements
RelatedDeclarations Page (TWIA)Wind and Hail Only PolicyEligibility (TWIA)
T
Texas Windstorm Insurance Association (TWIA)
The Texas Windstorm Insurance Association is the insurer of last resort for windstorm and hail coverage on eligible property in designated catastrophe areas along the Texas Gulf Coast. TWIA policies provide wind and hail coverage only and do not cover flood, fire, theft, or liability.
Why It MattersTWIA is not a complete homeowners policy. It is one layer of the coastal insurance stack, and the other layers still have to be handled correctly.
Charles in Plain EnglishTWIA is the wind and hail contract. It is not the whole house insurance conversation.
SourceTDI, Windstorm Inspection Program general information
RelatedWind and Hail Only PolicyCoastal Property InsuranceFlood Insurance Requirement (TWIA)
TWIA-164
TWIA-164 is TWIA's commercial replacement cost endorsement. TWIA identifies it as the endorsement that provides replacement cost coverage for commercial policies when the policy otherwise would be processed at actual cash value.
Why It MattersCommercial property owners should verify whether TWIA-164 is attached and whether the insurance-to-value requirement is satisfied before relying on replacement cost claim math.
Charles in Plain EnglishFor commercial wind, replacement cost has a form number. Find it before the storm.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedCommercial TWIAReplacement Cost Coverage (TWIA)Loss Settlement (TWIA)
TWIA-311
TWIA-311 is the Extension of Coverage for Additional Living Expense endorsement. TWIA says it applies to primary residences and reimburses necessary and reasonable extra living costs when a covered wind or hail loss makes the property wholly or partially uninhabitable.
Why It MattersThis endorsement can decide whether the family has help with temporary housing after covered wind damage. It is not automatic.
Charles in Plain EnglishIf the house cannot be lived in, TWIA-311 is the endorsement you wish you had already checked.
SourceTWIA, Additional Living Expenses Coverage
RelatedAdditional Living Expense (TWIA)Indirect Loss (TWIA)Declarations Page (TWIA)
TWIA-365
TWIA-365 is TWIA's Replacement Cost Endorsement for personal property. TWIA lists it among sample policy forms and endorsements for personal replacement cost coverage.
Why It MattersContents coverage can be a major part of a coastal loss. Clients should verify whether their personal property is ACV or replacement cost before they need to replace it.
Charles in Plain EnglishThe furniture, clothing, and appliances need their own replacement cost question.
SourceTWIA, Forms, Sample Policies, Endorsements, Certificates
RelatedPersonal Property Coverage (TWIA)Replacement Cost Coverage (TWIA)Actual Cash Value (TWIA)
TWIA-431
TWIA-431 is TWIA's Increased Cost of Construction endorsement for residential policies. TWIA says it helps pay additional costs from local building ordinances or laws after a covered loss, and that ICC is not automatically included.
Why It MattersOlder homes and coastal rebuilds can face code upgrade costs. TWIA-431 should be reviewed when the property could need ordinance-driven upgrades after storm damage.
Charles in Plain EnglishThe code upgrade is not emotional. It is a bill. TWIA-431 is where that bill gets discussed.
SourceTWIA, Increased Cost of Construction Coverage
RelatedIncreased Cost of Construction (TWIA)Building Code ComplianceCommercial TWIA
TWIA-802
TWIA-802 is TWIA's Replacement Cost Coverage A endorsement for dwelling policies. TWIA identifies it as the endorsement that provides replacement cost coverage on dwelling policies when the requirements are met.
Why It MattersIf TWIA-802 is missing, the dwelling claim may be handled at actual cash value. It belongs on the short list of renewal items to verify every year.
Charles in Plain EnglishTWIA-802 is one of the first form numbers I look for on a coastal dwelling policy.
SourceTWIA, Factors That Affect Claim Payment Amount
RelatedReplacement Cost Coverage (TWIA)Dwelling Limit (TWIA)Actual Cash Value (TWIA)
W
Wind and Hail Exclusion
A wind and hail exclusion removes windstorm and hail coverage from another property policy. In many coastal Texas placements, the homeowners policy excludes wind and hail and TWIA or another wind policy handles that exposure separately.
Why It MattersA client can have a homeowners policy and still not have wind and hail on that policy. The exclusion is the reason the separate TWIA layer matters.
Charles in Plain EnglishA home policy with wind excluded is not broken. It is just not the whole picture.
SourceTWIA, Inside a Policy
RelatedWind and Hail Only PolicyCoastal Property InsuranceTexas Windstorm Insurance Association (TWIA)
Wind and Hail Only Policy
A wind and hail only policy covers direct physical loss from windstorm and hail to property covered by the contract. TWIA states that its policies cover only windstorm and hail damage, and no other perils such as fire, theft, or flood.
Why It MattersThis is the central TWIA distinction. The policy does one job. The rest of the risk needs separate contracts.
Charles in Plain EnglishWind and hail only means exactly that. Only is the word that protects you from assuming too much.
SourceTWIA, Inside a Policy
RelatedTexas Windstorm Insurance Association (TWIA)Coastal Property InsuranceFlood Insurance Requirement (TWIA)
Wind-Driven Rain (TWIA-321)
TWIA-321 is the Extension of Coverage for Wind-Driven Rain endorsement. TWIA describes it as one of the reorganized indirect loss endorsements, along with TWIA-311 for ALE and TWIA-331 for consequential loss.
Why It MattersWind-driven rain can sit in the uncomfortable space between wind damage and water damage. The endorsement and the facts of entry matter.
Charles in Plain EnglishRain entering because wind damaged the house is a different contract question than rising water.
SourceTWIA, Four New TWIA Endorsements
RelatedIndirect Loss (TWIA)Additional Living Expense (TWIA)Flood Insurance Requirement (TWIA)
Windstorm Certificate of Compliance
A Windstorm Certificate of Compliance is evidence that an improvement complies with the applicable windstorm building code for the area. TWIA says WPI-8, WPI-8-E, and WPI-8-C are names used for certificates depending on the time period and issuer.
Why It MattersWithout the certificate, TWIA may lack evidence that the structure conforms to code and the structure may be considered ineligible for coverage.
Charles in Plain EnglishThe certificate is the paper trail between the construction and the policy.
SourceTWIA, Windstorm Certificates of Compliance
RelatedWPI-8WPI-8-CWPI-8-E
WPI-8
A WPI-8 is a Certificate of Compliance issued by the Texas Department of Insurance for new and ongoing improvements. TWIA's certificate guidance says TDI has processed the majority of WPI-8 certificates.
Why It MattersWPI-8 is the term many coastal property owners hear from roofers, contractors, lenders, and agents. It is not decoration. It is eligibility evidence.
Charles in Plain EnglishWhen a coastal roof is involved, WPI-8 is one of the receipts that matters.
SourceTWIA, Windstorm Certificates of Compliance
RelatedWindstorm Certificate of ComplianceBuilding Code ComplianceRoof Replacement (TWIA)
WPI-8-C
A WPI-8-C is a Certificate of Compliance issued by TWIA for completed improvements during the period when TWIA accepted those applications. TWIA says it accepted WPI-8-C applications from January 1, 2017 to May 31, 2020.
Why It MattersOlder certificate searches can fail if the client looks in the wrong database. TWIA says certificates it issued during this period are not on TDI's website.
Charles in Plain EnglishThe year of the work tells you where to look for the certificate.
SourceTWIA, Windstorm Certificates of Compliance
RelatedWindstorm Certificate of ComplianceWPI-8WPI-8-E
WPI-8-E
A WPI-8-E is a Certificate of Compliance issued by the Texas Department of Insurance for completed improvements. TWIA says TDI began accepting WPI-8-E applications on June 1, 2020.
Why It MattersCompleted work after June 1, 2020 usually belongs in the TDI certificate path, not the TWIA WPI-8-C path.
Charles in Plain EnglishIf the job was completed after June 1, 2020, start with TDI.
SourceTWIA, Windstorm Certificates of Compliance
RelatedWindstorm Certificate of ComplianceWPI-8WPI-8-C
