Which types of events are typically covered by TWIA insurance?

The selection of windstorms and hail, including hurricanes, is accurate because TWIA, or the Texas Windstorm Insurance Association, primarily provides coverage for wind and hail damage. This coverage is essential for property owners in coastal areas of Texas, where the risk of hurricanes and severe storms is significant. TWIA is designed to protect against the specific risks associated with high winds and hail, which are not typically covered under standard homeowners’ insurance policies in Texas.

Understanding the nature of TWIA’s coverage is crucial for policyholders, as it helps them recognize the types of natural disasters for which they can seek compensation in the event of property damage. This specialized form of insurance plays a vital role in ensuring that homeowners in vulnerable regions have access to coverage tailored to their geographical risks.