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Texas Windstorm Insurance Association
TWIA Windstorm Insurance
Mandatory windstorm protection for coastal Texas.
If your property is in one of the 14 designated Texas coastal counties — including Aransas, San Patricio, and Nueces — TWIA coverage is required by most mortgage lenders and often unavailable through standard insurers. Dolphin is an authorized TWIA agent.
Windstorm Damage
Covers damage from hurricane-force winds, tornadoes, and tropical storms — the primary perils on the Gulf Coast.
Dwelling Protection
Covers the structure of your home up to TWIA’s building limits, with optional extended coverage.
Commercial Properties
TWIA coverage extends to commercial buildings, multi-family properties, and mixed-use structures.
Hail Damage
TWIA covers hail-related damage to your roof, siding, windows, and exterior structures.
Other Structures
Fences, detached garages, and auxiliary buildings may be covered under your TWIA policy.
Contents Coverage
Optional personal property coverage for items inside your home damaged by a covered wind event.
Authorized TWIA Agent
Dolphin is a licensed TWIA writing agent — we handle your application, inspection coordination, and renewals.
WPI-8 Inspection Help
We guide you through the WPI-8 windstorm inspection process required for new or renovated coastal properties.
Bundle with Home & Flood
TWIA + home + flood together with Dolphin means one agent, one renewal conversation, complete coastal protection.
Do I need TWIA if I have homeowners insurance?
Standard homeowners policies in designated Texas coastal counties typically exclude windstorm damage. TWIA fills that critical gap.
Which Texas counties require TWIA?
The 14 designated catastrophe counties include Aransas, Brazoria, Calhoun, Cameron, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, Victoria, and Willacy.
How do I file a TWIA claim?
Contact Dolphin immediately after a wind event — we’ll submit your TWIA claim and coordinate your adjuster appointment.
Our Aransas Pass team is available Monday–Saturday, 9am–5pm.
After-hours emergency claims support is available 24/7.