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TWIA's purpose is to provide Texas citizens adequate wind and hail coverage when it is not available in the insurance marketplace;and pay insured's claims when losses occur.

The Texas Windstorm Insurance Association is a ‘pool’ of all property and casualty (P&C) insurance companies authorized to write coverage in Texas.

TWIA is neither a state organization, nor a for-profit company, and therefore does not seek to increase its market share. We do not actively compete against private insurance providers. TWIA is the provider of “last resort”, and our internal policies reflect that fact.

While our ultimate goal is to “depopulate” our book of business, we feel that customers are entitled to the best possible service we can offer when they must turn to TWIA for insurance.