TX Windstorm Insurance Association serves as the insurer of last resort for wind and hail coverage in which areas?

TX Windstorm Insurance Association serves as the insurer of last resort for wind and hail coverage in which areas?

• A. All counties in Texas
• B. Coastal counties designated by the association
• C. Only inland counties without windstorm risk
• D. Only major cities

Answer: (B)

TWIA provides windstorm and hail coverage only in the coastal counties along the Texas Gulf Coast that the association designates. It isn’t statewide and it doesn’t cover inland areas or just major cities. The idea behind this is that private insurers may withdraw from high-wind risk zones, so TWIA steps in as the insurer of last resort for those specifically designated coastal counties.

TWIA provides windstorm and hail coverage only in the coastal counties along the Texas Gulf Coast that the association designates. It isn’t statewide and it doesn’t cover inland areas or just major cities. The idea behind this is that private insurers may withdraw from high-wind risk zones, so TWIA steps in as the insurer of last resort for those specifically designated coastal counties.