Inspection requirements for structures to be considered insurable property for windstorm and hail insurance through twia.
Twia roofing requirements.
Since the late 1980 s certain rules were made that apply to homes to keep them in compliance with texas windstorm insurance.
If you are a texas coastal property owner who needs to get wind and hail insurance through twia the texas insurance code chapter 2210 requires your property to be certified as meeting windstorm building code requirements in your area.
Inland exposures in those counties must withstand a three second wind gust moving at 120 miles per hour.
The texas legislature formed the tcpia in 1971.
Homeowners and home buyers need to be aware of certain rules that apply to homes insured with texas windstorm insurance which if you live in south texas and particularly nueces county are very important.
Apply a 19 inch 483 mm strip of underlayment felt parallel to and starting at the eaves fastened sufficiently to hold in place.
While these inspections are not mandatory to be eligible for windstorm and hail insurance coverage through the twia all new construction repairs alterations including roofing or additions which commenced on or after january 1 1988 must be inspected by a qualified.
Starting at the eave apply 36 inch wide 914 mm sheets of underlayment overlapping successive sheets 19 inches 483 mm and fastened sufficiently to hold in place.
Following is a chronology of building requirements for windstorm insurance eligibility along the texas gulf coast through the texas windstorm insurance association twia formerly known as the texas catastrophe property insurance association tcpia.
Specifications in aransas and galveston counties openings with a seaward exposure must be capable of withstanding a three second wind gust with a wind speed of 130 miles per hour.
From 1971 through december 31 1987.
These include the property s location denial of coverage from at least one authorized insurer actively writing or renewing windstorm and hail coverage in the designated area adherence to windstorm building codes and more.
This windstorm certificate of compliance must be provided to twia before the property can be eligible for twia coverage.
Texas windstorm insurance association.
To be eligible for twia coverage a property must meet certain requirements established by the texas legislature.
All construction must have a design associated with it to meet the tdi building specifications.
Section 100 general requirements thru section 200 basic definitions assumptions and limitations of the prescriptive code section 300 prescriptive requirements area inland of established dividing line section 400 prescriptive requirements area seward of.
Consequently all construction in the designated catastrophe areas in order to be eligible for windstorm insurance through the twia must be designed by an engineer in accordance with one of the above methods.
