Residential Property Insurance 

Coastal Consumers

The Coastal Consumer Page provides insurance consumers along the coast with a resource to arm them with the knowledge to make informed decisions regarding their coverage. On this page you will find OPIC consumer brochures, policyholder notices, links to rules, and other regulatory actions affecting coastal consumers and important news impacting the Texas coast.




coastal storm consumer help brochure     COASTAL STORM CONSUMER HELP BROCHURE: Insurance Tips to Help You Before and After a Storm   You can never be over prepared for hurricane season. This brochure provides advice on how to ensure that your property is adequately covered prior to a storm making landfall.  It also includes tips on what you should do in the event that a tropical storm or hurricane damages your home.

34 homeowners insurance and the texas coast small     

 HOMEOWNERS INSURANCE AND THE TEXAS COAST: What You Need to Know.      Homeowners coverage can be a complicated issue for most Texas residents and it can be particularly complex if you live on the Texas coast. This brochure provides an overview of the different types of coverage you may need to protect your coastal property.



 To open the brochures on this page you must have a copy of Adobe Reader.  You can download a free copy here.


Legislative Changes


Important Changes to TWIA

In 2015, the 84th Texas Legislature enacted Senate Bill (SB) 900 which authorized TWIA to administer two new depopulation programs: a Voluntary Market Depopulation Program and an Assumption Reinsurance Depopulation Program.  These programs are optional and designed to provide alternative options for wind and hail insurance in the private market.  Insurance companies participating in these programs will have to:


  1. Allow you to decline their offer, or opt out of their program;
  2. Continue to offer you rates and coverages comparable to TWIA’s for three renewals; and
  3. Allow you to keep your current insurance agent.

Click here to learn more about these programs.  Click here to find out additional information about a participating company, including financial and complaint information.





Regulatory Information


TWIA Statutes

Chapter 2210 of the Texas Insurance Code governs the operation of the Texas Windstorm Insurance Association (TWIA) and it is available for review by clicking here


TWIA Rules

TWIA is governed by Tex. Admin. Code Title 28, Part 1, Chapter 5, Subchapter E .  In particular, TWIA's Plan of Operation is available for review.

A recently adopted TAC rule, Section 5.4202, addresses when it is possible to extend the one-year claim filing deadline.  It defines “good cause” and establishes requirements TWIA policyholders must follow when asking the commissioner to extend the one-year claim-filing deadline.  A copy of Commisioner's Order No. 3715, dated December 15, 2014, adopting Sec. 5.4204 is available for review by clicking here.

TWIA's filings and submissions are available for review by clicking here.


Last modified on Tuesday, 27 March 2018 22:56