In August 1970, Hurricane Celia slammed ashore at Corpus Christi, killing and injuring residents and leaving previously unheard-of hundreds of millions of dollars in damage.
In response to insurance companies increasing rates or no longer selling wind and hail coverage along the Gulf Coast, state lawmakers in 1971 launched the Texas Windstorm Insurance Association (TWIA).
TWIA continues to serve as the wind and hail insurer of last resort for property owners in Texas’ 14 coastal counties and parts of Harris County. TWIA currently backs more than 237,000 policies.
If you live in a coastal community, read your homeowners policy to see if it covers hail and wind damage. If not, contact your insurance agent to see what options you have for coverage.
Eric Casas, TWIA ombudsman at the Texas Department of Insurance, cautions against assuming you can go without wind or hail coverage just because your home hasn’t been hit by a terrible storm. And if you have a mortgage, your lender will likely require you to have windstorm coverage.
Hear more tips about protecting your home from hail and wind damage in this episode of the Texas Insurance Podcast.