All codes › Insurance Code › Title 10

Chapter 2210

Texas Windstorm Insurance Association

Subchapter A. General Provisions

2210.001 Purpose 2210.002 Short Title; Sunset Provision 2210.0025 Biennial Report to Legislature 2210.003 General Definitions 2210.004 Definition of Insurable Property 2210.005 Designation as Catastrophe Area; Revocation of Designation 2210.006 Applicability of Chapter to Certain Insurers 2210.007 Immunity from Liability in General 2210.008 Department Orders; General Rulemaking Authority 2210.0081 Certain Actions Brought Against Association by Commissioner 2210.0081 Certain Actions Brought Against Association by Commissioner 2210.009 List of Private Insurers; Incentive Plan 2210.010 Certain Conduct in Dispute Resolution Prohibited 2210.012 Standards of Conduct: Board of Directors and Employees; Report of Certain Fraudulent Conduct 2210.013 Certain Employment and Contracts Prohibited 2210.014 Applicability of Certain Other Law 2210.015 Study of Market Incentives; Biennial Reporting 2210.016 Agent Requirements

Subchapter B. Administration of Association

2210.051 Composition of Association; Required Membership 2210.052 Member Participation in Association 2210.053 Operation of Association 2210.054 Annual Statement 2210.055 Legal Counsel 2210.056 Use of Association Assets 2210.057 Examination of Association 2210.058 Audit of Association 2210.059 Claims Practices Audit 2210.060 Indemnification by Association 2210.061 Contractors and Managerial Employees: Compensation and Bonuses 2210.062 Administration by Contracted Administrator Authorized

Subchapter B-1. Payment of Losses Incurred Before January 1, 2026

2210.070 Applicability of Subchapter 2210.071 Payment of Excess Losses 2210.0715 Payment from Reserves and Trust Fund 2210.072 Payment from Class 1 Public Securities; Financial Instruments 2210.0725 Payment from Class 1 Assessments 2210.073 Payment from Class 2 Public Securities 2210.074 Payment Through Class 2 Assessments 2210.0741 Payment Through Class 3 Public Securities 2210.0742 Payment from Class 3 Assessments 2210.075 Reinsurance by Members 2210.076 Payment from State-Funded Financing Arrangements

Subchapter B-2. Payment of Excess Losses and Operating Expenses

2210.080 Applicability of Subchapter 2210.081 Payment of Excess Losses 2210.082 Payment from Reserves and Trust Fund; State-Funded Financing Arrangements 2210.083 Payment from Member Assessments 2210.084 Reinsurance by Members for Member Assessments

Subchapter C. Association Board of Directors; General Powers and Duties of Board of Directors

2210.101 Accountable to Commissioner 2210.102 Composition 2210.103 Terms 2210.1031 Training 2210.104 Officers 2210.105 Meetings 2210.1051 Meetings of Board of Directors 2210.1052 Emergency Meeting 2210.1052 Emergency Meeting 2210.106 Immunity of Director or Officer from Liability 2210.107 Primary Board Objectives; Report 2210.108 Open Meetings and Open Records 2210.109 Disclosure of Conflicts

Subchapter D. Plan of Operation

2210.151 Adoption of Plan of Operation 2210.152 Contents of Plan of Operation 2210.153 Amendments to Plan of Operation

Subchapter E. Insurance Coverage

2210.201 Definition of Insurable Interest 2210.202 Application for Coverage; Declination Requirement 2210.203 Issuance of Coverage; Term; Renewal 2210.2031 Automatic Renewal 2210.2032 Premium Payment Methods 2210.204 Cancellation of Certain Coverage 2210.2041 Nonrefundable Surcharge 2210.205 Required Policy Provisions: Deadline for Filing Claim; Notice Concerning Resolution of Certain Disputes 2210.207 Windstorm and Hail Insurance: Replacement Cost Coverage 2210.208 Windstorm and Hail Insurance: Coverage for Certain Indirect Losses 2210.209 Windstorm and Hail Insurance: Coverage for Certain Property Located Over Water 2210.210 Coverage of Certain Structures Prohibited

Subchapter F. Property Inspections for Windstorm and Hail Insurance

2210.251 Plan of Operation Compliance Requirements 2210.2515 Issuance of Certificates of Compliance 2210.252 International Residential Code Building Specifications 2210.253 Insurer Assessment: First Tier Coastal County 2210.254 Qualified Inspectors 2210.2551 Enforcement Authority; Rules 2210.256 Disciplinary Proceedings Regarding Appointed Inspectors and Certain Other Persons 2210.257 Deposit of Fees 2210.258 Compliance with Building Codes; Eligibility 2210.259 Surcharge for Certain Noncompliant Structures

Subchapter H. Rates; Discounts and Credits

2210.351 Association Filings 2210.3511 Public Access to Rate Adequacy Analysis 2210.3512 Requirement for Vote on Rate Filing 2210.352 Manual Rate Filings: Annual Filing 2210.353 Manual Rate Filings: Amended Annual Filing 2210.354 Manual Rate Filings: Additional Supporting Information 2210.355 General Rate Requirements; Rate Standards 2210.357 Rate Classifications 2210.358 Experience Data 2210.359 Limitation on Certain Rate Changes 2210.361 Association Recommendations Regarding Reductions in Coverages or Increases in Deductibles 2210.362 Implied Consent by Applicant for Insurance Coverage 2210.363 Premium Discounts; Surcharge Credits

Subchapter J. Catastrophe Reserve Trust Fund; Reinsurance and Alternative Risk Financing

2210.451 Definition 2210.452 Establishment and Use of Trust Fund 2210.4521 Investment of Trust Fund Balances 2210.453 Funding Levels; Reinsurance and Alternative Risk Financing Mechanisms; Reinsurance from Certain Insurer or Broker Prohibited 2210.454 Mitigation and Preparedness Plan 2210.455 Catastrophe Plan

Subchapter K. Liability Limits

2210.501 Maximum Liability Limits 2210.502 Adjustments to Maximum Liability Limits 2210.503 Filing of Proposed Adjustments with Commissioner 2210.504 Commissioner Action on Proposed Adjustments 2210.505 Reinsured Excess Limits 2210.506 Exception from Certain Administrative Procedures

Subchapter L. Certain Appeals and Other Actions

2210.551 Appeals 2210.554 Voluntary Arbitration of Certain Coverage and Claim Disputes

Subchapter L-1. Claims: Settlement and Dispute Resolution

2210.571 Definitions 2210.572 Exclusive Remedies and Limitation on Award 2210.573 Filing of Claim; Claim Processing 2210.5731 Payment of Claim 2210.5732 Supplemental Payments 2210.574 Disputes Concerning Amount of Accepted Coverage 2210.5741 Replacement Cost Coverage Claim Processing 2210.575 Disputes Concerning Denied Coverage 2210.576 Issues Brought to Suit; Limitations on Recovery 2210.577 Limitations Period 2210.578 Expert Panel 2210.579 Construction with Other Law 2210.580 Rulemaking 2210.581 Commissioner Extension of Deadlines 2210.582 Ombudsman Program

Subchapter M. Public Securities Program

2210.601 Findings 2210.6015 Applicability of Subchapter 2210.602 Definitions 2210.603 Applicability of Other Laws 2210.604 Issuance of Public Securities Authorized 2210.605 Terms of Issuance 2210.606 Additional Covenants 2210.607 Public Security Proceeds 2210.608 Use of Public Security Proceeds 2210.609 Repayment of Association's Public Security Obligations 2210.610 Public Security Payments 2210.611 Excess Revenue Collections and Investment Earnings 2210.612 Payment of Class 1 Public Securities 2210.613 Payment of Class 2 Public Securities 2210.6131 Payment of Class 3 Public Securities 2210.6132 Contingent Source of Payment for Class 2 and Class 3 Public Securities 2210.614 Refinancing Public Securities 2210.615 Source of Payment; State Debt Not Created 2210.616 State Not to Impair Public Security Obligations 2210.6165 Property Rights 2210.617 Enforcement by Mandamus 2210.618 Exemption from Taxation 2210.619 No Personal Liability 2210.620 Authorized Investments

Subchapter M-1. State-Funded Financing Arrangements

2210.631 Definition 2210.6315 State-Funded Financing Arrangements 2210.632 Financing Arrangement Authorized; Limits 2210.6325 Request to Enter into Financing Arrangement 2210.633 Additional Covenants 2210.6335 Deposit of Proceeds 2210.634 Use of Proceeds 2210.6345 Repayment of Financing Arrangement Obligation 2210.635 Excess Revenue Collections and Investment Earnings 2210.6355 Source of Payment; State Debt Not Created 2210.636 State Not to Impair Financing Arrangement Obligation 2210.6365 Rights with Respect to Financing Arrangement 2210.637 Enforcement 2210.6375 No Personal Liability

Subchapter M-2. Catastrophe Surcharge

2210.641 Definition 2210.642 Applicability of Subchapter 2210.6425 Construction of Subchapter 2210.643 Annual Financial Report by Commissioner 2210.6435 Catastrophe Surcharges 2210.644 Catastrophe Surcharge Proceeds 2210.6445 Disclosure of Surcharge 2210.645 Exemption from Taxation 2210.6455 Limitation of Personal Liability 2210.646 Exemption from Surcharge

Subchapter N. Legislative Oversight Board

2210.651 Definition 2210.652 Composition of Board 2210.653 Powers and Duties of Board 2210.654 Report

Subchapter O. Depopulation Program

2210.701 Depopulation Program 2210.702 Assumption Reinsurance Depopulation 2210.703 Renewal of Reinsured Policies; Comparable Coverage 2210.704 Confidentiality of Information; Use of Policyholder's Agent 2210.705 Transfer of Policies