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Coastal roofs: TWIA coverage and the WPI-8

If you live on the Texas coast or in Harris County on Galveston Bay, your home policy might not cover wind and hail damage. TWIA sells wind and hail coverage for coastal residents through local agents. (source: Texas Department of Insurance)

TWIA will not sell you a policy if there is a hurricane in the Gulf of Mexico. (source: Texas Department of Insurance)

TWIA lists replacing a roof or repairing a significant portion of a roof among improvements that need a Certificate of Compliance. Temporary repairs after a storm do not. (source: Texas Windstorm Insurance Association)

Galveston says construction should comply with the TDI building code to receive a WPI-8, which shows eligibility for TWIA windstorm and hail coverage. (source: City of Galveston Building Division)

With a TWIA wind and hail policy, you have one year from the date of damage to file a claim. (source: Texas Department of Insurance)

On this site: Do roofers need a license in Texas? · Can a roofer waive or pay my insurance deductible in Texas? · Texas roof insurance claim deadlines · Coastal roofs: TWIA coverage and the WPI-8 · Storm chaser roofers: how to spot a Texas roofing scam · How to hire a roofer in Texas · Hail damaged my roof. What do I do first? · Do I need a permit to replace my roof in Texas? · Texas roofing fees, penalties and numbers · Where to complain about a roofer in Texas · Cities · FAQ · Sources

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