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Call an Agent Today: Corpus Christi, Texas (361) 241-3303 | Sinton, Texas (361) 364-1461 | Se Habla Español

Windstorm Coverage

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 and the Texas coast is no exception.The result was that first the re-insurers and then followed by insurers greatly reduced their writings of coastal windstorm insurance while the price they charge for writing windstorm policies increased significantly. This has resulted in the severe restriction or virtual elimination 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 an insurer of last resort, the Texas Windstorm Insurance Association (TWIA).

How Alliance Insurance Can Help

Because our agency has been located in coastal 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 to make sure you have replacement cost on your dwelling.
  • 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 help you stay in compliance with TWIA when you re-roof or perform alterations to your home.
  • Provide assistance with filing a windstorm claim when the time comes..

Texas Windstorm Insurance Association

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 otherwise 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 some 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.

Contact Us

Windstorm Insurance through TWIA is complex and can be difficult to understand. It is very important to be properly insured. Please see the TWIA website for more detailed information and for frequently asked questions or contact us at one of our offices today.ability coverage if someone is injured on your property.

Our Locations

Corpus Christi, Texas
13310 Leopard,
Ste #4 Corpus Christi, TX 78410
Sinton, Texas
201 West Borden Street,
Sinton, TX


Our Services

As an independent insurance agency, we are able to shop over 20 Texas insurance companies for you in order to find the insurance product that best fits your needs. Moreover, when it’s time to renew your policy, we will once again shop our companies to find the best product for you.

Personal Insurance Services: Auto, home, mobile home and recreational vehicle insurance

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