Under the Dome Header

TWIA Agent Bulletin: Flood Insurance Requirement Change

Aug 16, 2016

Recently, TWIA and the Texas Department of Insurance (TDI) received important feedback about the flood insurance requirements from policyholders and the agent community. The feedback centered on the interpretation of TDI Rule 28 Texas Administrative Code (TAC) §5.4904, that any repairs which required a certificate of compliance (WPI-8) would then trigger the flood insurance requirement. That requirement has changed.

TDI communicated to TWIA a new/clarified interpretation of TDI Rule 28 TAC §5.4904 this past Friday, July 22, 2016.

TDI’s new/clarified interpretation of TDI Rule 28 TAC §5.4904 is, “the Insurance Code §2210.203(a-1) and 28 TAC §5.4904 do not require policyholders to obtain flood insurance following replacement of a damaged roof or any other repair activity, even if the repair requires a certificate of compliance (WPI-8).”

This new/clarified interpretation of the TDI Rule is the only aspect of the flood insurance requirement that has changed.

The law initiating the flood insurance requirement went into effect on September 1, 2009. Therequirement thereforeapplies to structures that have been constructed, altered, remodeled, or enlarged on or after September 1, 2009, that required the applicant to obtain a certificate of compliance (WPI-8) through TDI’s Windstorm Inspection Program and that meet the conditions set forth below.

The flood insurance requirement is triggered when all of the following conditions exist:

1. All or any part of the property is located in one of the designated National Flood Insurance Program (NFIP) flood zones (V, VE or V1 - V30).

2. Flood insurance is available for the property from the NFIP.

3. The structure is beingconstructed,altered,remodeled, orenlarged, all of which require a certificate of compliance (WPI-8), beginning on or after September 1, 2009.

Q. Can my TWIA policyholder cancel their NFIP flood insurance policy?

A. You should review the terms and conditions of the NFIP policy and the policyholder’s mortgage loan to determine whether to cancel the policy. If the condition that triggered the purchase of flood insurance was a repair (as defined by 28 TAC §5.4904(c)(1)) that required a WPI-8 , the flood insurance policy is no longer required to be eligible for TWIA coverage.

Please note this is only a change in TDI’s interpretation of their Rule 28 Texas Administrative Code §5.4904. There have been no changes to the statutory requirements (the law) for flood insurance, Insurance Code §2210.203(a-1) : Properties located in flood zones V, VE, or V1 - V30 that were constructed, altered, remodeled or enlarged on or after September 1, 2009, and that can obtain flood insurance through the National Flood Insurance Program, must continue to provide proof of flood insurance in order to be eligible for a TWIA policy.

For your reference, TWIA's website provides more important information.

TWIA realizes that changes such as this can translate into frustration for agents doing business on the coast. That is why they wanted to make you aware of this change as soon as they could and acknowledge that the flood insurance requirements information previously communicated by TWIA are no longer applicable.


  1. 15 FteW6n 19 Feb
    eRDuXZ http://www.y7YwKx7Pm6OnyJvolbcwrWdoEnRF29pb.com
  2. 14 xhrDpr 20 Feb
    gEmjQK http://www.y7YwKx7Pm6OnyJvolbcwrWdoEnRF29pb.com
  3. 13 WId3S 20 Feb
    5dcHyl http://www.y7YwKx7Pm6OnyJvolbcwrWdoEnRF29pb.com
  4. 12 Q48FG6 20 Feb
    xWzVYS http://www.y7YwKx7Pm6OnyJvolbcwrWdoEnRF29pb.com
  5. 11 jGWABO 20 Feb
    Jbpy49 http://www.y7YwKx7Pm6OnyJvolbcwrWdoEnRF29pb.com
  6. 10 Eliza Molly 04 Apr
    In examples in which certain structures are utilized for both private and business purposes, the exception applies just to structures with an essential private reason. Best Essay Writing Service. A structure is "disengaged" in the event that it remains solitary, which means it is not joined by any auxiliary association with the private structure.
  7. 9 Kenneth Gidley 14 Jul
    they needed to roll out you mindful of this improvement when they could and  <a
    href="https://www.britishessaywriting.co.uk">Essay Writing
    Service UK</a> recognize that the surge protection prerequisites data beforehand conveyed by TWIA are not any more appropriate.
  8. 8 Socks Manufacturers in Faisalabad 27 Jul
    Thank you for all the great content and i think that you have
    to work for <a href="http://atnr.pk/"> Digital Marketing agency
    Pakistan</a> because most of <a
    href="http://kaenterprises.com.pk/"> Socks Manufacturers in
    Pakistan</a> working with them
  9. 7 farooqqammar 27 Jul
    Excellent resource, loved the content audit approach! Thank you for creating & sharing! i think that you have to work for  Digital Marketing agency Pakistan because most Socks Manufacturers in Pakistan working with them
  10. 6 manu 03 Oct
    Great post, I have seen  places to eat near me excellent expression in your writing. Being at the top for so many years is not as simple to do as it looks.

  11. 5 joeji 04 Oct
    Hope this insurance helps the people to overcome the after-effects of such flood and all. I think it will be a great aid for them in certain circumstances. Hope everyone will make use of the advantages.  www.babyloncitytours.com
  12. 4 john 26 Oct
    Wonderful blog post. This is
    absolute magic from you! I have never seen a more wonderful post than this one.
    You've really made my day today with this. I hope you keep this up!
    Laundry near me London

  13. 3 john 15 Nov
    Amazing stuff! After reading this
    post I want to say that you have created very interesting post. Keep doing the great work up.
    <a href="https://masterdrycleaner.co.uk">Laundromat near me London</a>
  14. 2 Nancys. 23 Nov
    Thank you for the document. I truly loved the way you wrote this post. It has some right facts that are written in an easy to recognize manner. Your post is always very helpful. Hold sharing such super and beneficial post. 
    five nights at freddy's free full game
  15. 1 Barbarafvd 24 Nov
    I am finding everywhere. Thanks for your blog, I just subscribe to your blog. This is a nice blog.
    fast soundcloud to mp3 conversion and download


  1. RadEditor - HTML WYSIWYG Editor. MS Word-like content editing experience thanks to a rich set of formatting tools, dropdowns, dialogs, system modules and built-in spell-check.
    RadEditor's components - toolbar, content area, modes and modules
    Toolbar's wrapper 
    Content area wrapper
    RadEditor's bottom area: Design, Html and Preview modes, Statistics module and resize handle.
    It contains RadEditor's Modes/views (HTML, Design and Preview), Statistics and Resizer
    Editor Mode buttonsStatistics moduleEditor resizer
    RadEditor's Modules - special tools used to provide extra information such as Tag Inspector, Real Time HTML Viewer, Tag Properties and other.

Contact Governmental Affairs

H. Lee Loftis, Jr.
Gov. Affairs Director

Jill Douglas

Gov. Affairs Manager

IMPACT Web Button-01