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Coastal Windstorm Insurance
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The National Weather Service classifies tropical storms as low
pressure systems forming over tropical areas, with winds of a
minimum of 40 mph. Hurricanes are classified by using the Saffir/Simpson
intensity scale which measures atmospheric pressure in terms of
millibars (mb) or inches of mercury, along
with wind speeds, storm
surge and damage:
THE
SAFFIR/SIMPSON CLASSIFICATION SYSTEM FOR HURRICANES
|
Category |
Wind
speeds |
Pressures |
Storm
surge |
Damage |
|
1 |
74-95 mph |
Greater
than 980mb |
4-5 ft. |
Light |
|
2 |
96-110
mph |
965-979
mb |
6-8 ft. |
Moderate |
|
3 |
111-130
mph |
945-964
mb |
9-12 ft. |
Extensive |
|
4 |
131-155
mph |
920-944
mb |
13-18 ft. |
Extreme |
|
5 |
More than
155 mph |
Less than
920 mb |
Greater
than 18
ft. |
Catastrophic |
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The
Texas Windstorm Insurance Association
Windstorm WPI-8 Certificate Search
Visit the Texas Windstorm Association Home
Page
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.
How do I secure
coverage through Texas Windstorm Insurance Association?
An application for
windstorm and hail coverage through Texas Windstorm Insurance
Association must be submitted by a licensed property and casualty
agent. The application must be on forms prescribed by the
Association, and include premium payment and a current photograph
(taken within the past 90 days) of each building item and each
building containing property to be insured.
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