What type of coverage does the TWIA 320 policy provide that extends beyond the TWIA 310?

The TWIA 320 policy provides Wind Driven Rain coverage, which is an important enhancement compared to the TWIA 310 policy. Wind Driven Rain coverage specifically addresses damage caused by rain that is propelled by the wind into the home, which can be particularly relevant in areas prone to severe weather conditions, such as hurricanes or tropical storms. This type of coverage is significant as it can lead to claims that might not be covered under standard policies, helping to protect homeowners from additional storm-related losses.

The inclusion of this coverage means that policyholders have greater financial protection in scenarios where rain infiltrates due to high winds, ensuring that they can repair and restore their property more comprehensively after a storm. This aspect of the TWIA 320 policy highlights the organization's response to the need for more tailored insurance solutions in vulnerable coastal regions.