2019 Legislative Issues

Key IIAT legislative issues for the 86th Session   

(Updated 5/20/19)

TWIA Sunset Review (SB 615)

Passed both the Senate and House

The Texas Windstorm Insurance Association (TWIA) is under review by the Sunset Commission.  TWIA provides a valuable backstop for coastal residents in Texas, providing wind and hail coverage in our 14 Tier-1 coastal counties.  Agents depend on TWIA as a market of last resort to provide coverage for their clients.  Recommendations for improvement include:

  • Modernization of TWIA to include direct billing of customers
  • Improved and streamlined renewal application process
  • Technology improvements to improve service to consumers and agents
  • Adequate and predictable funding for multiple storm

Flood Coverage Notification (SB 442)

Passed both the Senate and House

Hurricane Harvey disclosed an alarming fact that many people were not prepared for the possibility of flooding.  It has been reported that roughly 25% of the homeowners in Harris County and South East Texas had purchased flood coverage.  Flood Coverage must be purchased separately from either the National Flood Insurance Program or specialty carriers. IIAT believes that a notice should be attached to every homeowners policy stating that flood coverage is not afforded by your homeowners' policy.

  • Homeowners insurers must include notice advising Flood coverage is not covered under policy
  • Notice should be in a conspicuous place on the policy
  • Notice should include statement to contact your agent to discuss coverage

Commercial Change Notification (SB 590)

Sent to the Governor

The Insurance Code requires that notification of changes in coverage must be provided, however, there is no requirement of notification of where it is to be located or what changes have been made.  Personal lines policies were addresses last session and this will make the same requirements for Commercial policies

  • Adds Commercial Property to Sec. 551 of Insurance Code
  • Plain language notification must disclose new coverage in renewal policy
  • Provide notice to agent and consumer prior to use of new policy form
  • Clarifies that proper notification does not require non-renewal notice


Named Driver Policies (HB 259)

This bill eliminates Named Drive Policies completely.  While named driver policies have served a small segment of the driving public, namely minimum limit purchasers, more and more instances of uncovered claims have led to passage of HB 259. 

  • Pure Named Driver policies eliminated effective for policies issued on or after Jan. 1, 2020
  • Specific exclusions of drivers (515 exclusions) will still be permitted
  • Results will be unknown for some time but hopefully fewer UM claims from partially insured policyholders



Contact Governmental Affairs

H. Lee Loftis, Jr.
Gov. Affairs Director

Jill Douglas

Director of Development