South Texas Windstorm Insurance

Since the severe hurricane season of 2005, all property and casualty insurance (P&C) companies and re-insurers have taken a closer look at their windstorm insurance strategy along the coast of the entire USA.

The result is that first re-insurers and then followed by insurers have greatly reduced their writings of windstorm coverages while the price they charge for writing windstorm policies has gone up significantly. This has resulted in the elimination or restriction of windstorm hazard insurance written through property and casualty (P&C) insurers all along the coastal communities of the Gulf of Mexico.

Because of those changes, virtually all new windstorm insurance written in Texas is now being placed through the Texas Windstorm Insurance Association (TWIA).

Because we have been located in windy South Texas since 1924, Alliance Insurance Agency has a large amount of experience writing windstorm insurance through TWIA.  We can help you understand the following as they relate to windstorm coverage.

• Determining the proper amount of windstorm insurance to place on your property
• How to acquire the inspection certificates needed to qualify for windstorm insurance
• Important endorsements as well as why and when you should place them on your windstorm policy
• Provide information to keep you in compliance when you re-roof or perform alterations to your insured building
• Provide assistance with filing a windstorm claim.

The TWIA website has a great deal of information regarding windstorm policies and procedures of the TWIA. 

TWIA's purpose is to provide Texas citizens adequate wind and hail coverage when it is not available in the insurance marketplace. TWIA also pays claims when losses occur.

The Texas Windstorm Insurance Association is an insurer of “last resort” that was established by the Texas Legislature to write windstorm risks along the coast of Texas should there be no other insurance company willing to take that risk.

In addition to its own funds TWIA can assign losses to all property and casualty (P&C) insurance companies authorized to write coverage in Texas that are not already writing their “fair share” of windstorm risks. TWIA is neither a state organization nor a for-profit company, and therefore does not seek to increase its market share.

Alliance Insurance specializes in corpus christi wind storm insurance in the nueces county and san patricio county area. Contact us today for a South Texas windstorm insurance quote.