TWIA & Windstorm Review · Corpus Christi

Is your wind coverage actually there?

On the coast, wind and hail is the part of a homeowners policy most likely to be missing. Send us your declarations page. A licensed Corpus Christi advisor reads it and tells you in plain words what you have, in about 20 minutes. Free, no obligation.

What the review covers:

Whether wind and hail is included or excluded
TWIA vs. private windstorm options
Your percentage windstorm deductible in real dollars
Roof age, WPI-8 certificate and build-year issues
Flood, the gap wind coverage never fills

Free Coverage Review

See what your wind coverage really does.

For homeowners in Nueces, San Patricio and Aransas counties. Give us a name and a phone number and a licensed Texas advisor takes it from there. No fee, no obligation, no prices by text.

Rather talk now? Call (361) 808-4988, Mon to Fri, 8am to 5pm.

BenefitExcel - Get a Free Quote - Personal

First Name

Last Name

Phone/Mobile

Common Misconceptions

What people get wrong about windstorm.

Four assumptions that cost money at claim time.

MYTH

My homeowners policy covers hurricane damage.

Homeowners assume one policy handles everything a named storm can do to the house.

FACT

Wind and hail is frequently carved out along the coast.

In the 14 coastal counties, many policies exclude wind and hail. That coverage is written separately, often through TWIA. If it was removed and never replaced, a roof claim may have nothing behind it.

MYTH

If I have TWIA, I am fully covered.

A TWIA policy feels like the end of the conversation for most coastal homeowners.

FACT

TWIA is wind and hail only, and it has limits.

TWIA covers wind and hail. Not flood, not surge, not everything a homeowners policy covers. It also caps the dwelling amount, so higher value homes can be underinsured. Private windstorm is sometimes available and sometimes better.

MYTH

My deductible is a few hundred dollars.

People remember a flat dollar deductible from an inland policy and assume it carries over.

FACT

Coastal wind deductibles are a percentage of the dwelling limit.

A 1% to 5% wind deductible on a $350,000 dwelling limit is $3,500 to $17,500 out of pocket before the policy pays. Most people have never done that math. We do it with you, in writing, before storm season.

MYTH

A review means someone is going to sell me a new policy.

People delay a coverage review because they expect a sales pitch at the end of it.

FACT

The review is free and there is no obligation to move anything.

A licensed Texas advisor reads your declarations page and tells you what it says. If your coverage is right, we say so and you keep it. The review is free. If you move a policy, the carrier pays us, not you.

What We Check

Four things we read on every coastal policy.

Send your declarations page. A licensed advisor works through all four in about 20 minutes.

Wind & Hail: In or Out

We tell you plainly whether wind and hail is covered by your homeowners policy, excluded from it, or sitting in a separate policy.

TWIA vs. Private Windstorm

TWIA is the market of last resort, not your only option. We check which private carriers will write your address and how they compare.

Your Real Deductible in Dollars

Your wind deductible is a percentage of the dwelling limit, not a flat amount. We convert it into the exact dollar figure, in writing.

Roof Age, WPI-8 & Build Year

Roof age, build year and a missing WPI-8 certificate decide your eligibility and how a claim settles. We check all three and flag what is fixable now.

What Windstorm Coverage Does Not Do

Know the gaps before a storm is named.

Wind coverage is narrower than most people think. Here are the gaps.

Excluded

Flood and Storm Surge

Rising water, surge and heavy rain runoff are excluded from wind and homeowners policies alike. Flood is a separate policy with a waiting period, so it cannot be added once a storm is in the Gulf.

Limited

TWIA Dwelling Maximum

TWIA caps the dwelling amount it will write. Homes above that limit need private windstorm or an excess layer, or the difference sits on the homeowner.

Conditional

Roof Age and Condition

Older roofs are frequently settled on an actual-cash-value basis rather than replacement cost, and some carriers decline them outright. Roof age changes both what you pay and what you collect.

Required

WPI-8 Certificate

New construction, re-roofs and additions in the designated catastrophe area need a WPI-8 windstorm certificate to be eligible for TWIA. Missing paperwork after a completed roof job is a common and fixable problem.

Excluded

Maintenance and Wear

Gradual deterioration, prior damage and deferred maintenance are excluded. Carriers do look at the roof’s condition before the storm, which is why documentation matters.

Timing

Binding Moratoriums

Once a named storm threatens the coast, TWIA and private carriers stop binding. No new policies, no coverage increases. All of this has to be handled before that.

What a Percentage Deductible Actually Costs

Your deductible, in real dollars.

Wind deductibles are a percentage of your dwelling limit. On a $350,000 home, here is what each tier costs you before the policy pays.

$3.5K

1% windstorm deductible

$7K

2% windstorm deductible

$10.5K

3% windstorm deductible

$17.5K

5% windstorm deductible

Common Questions

Straight answers on TWIA and windstorm.

The questions we get most, answered without the sales language.

Do I actually need TWIA in Corpus Christi?

It depends on whether wind and hail is included in your homeowners policy and whether a private windstorm market is available for your address. Some homeowners are fully covered without TWIA; others have a wind exclusion and no separate policy. That is exactly what the review answers.

What is a WPI-8 certificate and do I need one?

A WPI-8 is the windstorm certificate of compliance issued after an inspection of new construction, a re-roof or an addition in the designated catastrophe area. TWIA requires it for eligibility on that work. If a roofing contractor never filed one, it can usually be resolved.

How is my windstorm deductible calculated?

As a percentage of the dwelling limit, most often 1% to 5%. On a $350,000 dwelling limit that is $3,500 to $17,500 out of pocket. It is not the flat deductible people are used to from inland policies.

Does windstorm or TWIA coverage include flood?

No. Rising water and storm surge are excluded from both. Flood is a separate policy with its own waiting period, so it has to be in place well before a storm forms.

Can I buy or change coverage when a hurricane is coming?

No. When a named storm threatens the Texas coast, TWIA and private carriers suspend binding, no new policies and no increases, until the threat passes.

What does the review cost?

Nothing, and there is no obligation to change anything. If you move a policy, BenefitExcel is compensated by the carrier, never by you.

Corpus Christi Specifics

What coastal coverage has to handle that inland policies do not.

Nueces, San Patricio and Aransas counties sit inside the designated catastrophe area. Four things worth checking before hurricane season.

1. Wind and hail may be carved out of your policy

Wind and hail is commonly excluded from coastal homeowners policies and written separately. If it was removed and never replaced, roof and exterior damage may have nothing behind it.

2. Your deductible is a percentage, not a flat amount

Wind deductibles here run 1% to 5% of the dwelling limit. On a $350,000 home that is $3,500 to $17,500 out of pocket. Knowing the number now is the difference between a plan and a scramble.

3. Build year, roof age and the WPI-8 certificate

New construction, re-roofs and additions here need a WPI-8 certificate for TWIA eligibility. Roof age also decides whether a claim pays replacement cost or actual cash value. Missing paperwork is common and usually fixable.

4. Flood is always separate

No wind or homeowners policy covers rising water or surge. Flood is its own policy with its own waiting period, so it cannot be bought once a system is in the Gulf.

Sources: twia.org and the Texas Department of Insurance.
General information only, not a coverage opinion. Actual coverage, limits and eligibility are setby the policy issued and the carrier’s underwriting.

Free · No Obligation · Licensed Texas Advisor

Find out what your wind coverage actually does.

Send your declarations page. We read it, convert your deductible into dollars, and compare TWIA against the private markets open to your address. Free, no obligation.