TWIA FIELD ADJUSTER CERT LATEST 2025 QUESTIONS AND ANSWERS
TWIA - Answers Texas Windstorm Insurance Association
TWIA Counties - Answers Cameron, Willacy, Kenedy, Kleburg, Nueces, San Patricio, Aransas,
Refugio, Calhoun, Matagorda, Brazoria, Galveston, Chambers, Jefferson, and Harris*
2 Policy coverages - Answers A- Dwelling and Other Structures and B- Personal Property. Other
structures is part of Coverage A but has it's own separate estimate section.
2 Deductibles - Answers TWIA Dwelling policies have a deductible for both Coverage A and
Coverage B. No hurricane deductible
4 Extensions of Coverage - Answers 1. Debris Removal
2. Reasonable Repairs
3. Improvements, Alterations. and Additions
4. Property Removal
Exclusions - Answers 1. Flood
2. Rain - Storm Created Opening
3. Mold, fungi, or other microorganisms
4. Asbestos
802 - Answers Replacement Cost Coverage(Dwelling). As of 2019, TWIA policies are ACV.
Insured value of 80%+ provides automatic 802 coverage.
310, 320, 330 - Answers Extensions of Coverage falling under Consequential Loss.
365 - Answers Replacement Cost Endorsement(Personal Property)
804 - Answers Actual Cash Value Roofs
411 - Answers Conversion to TWIA Manufactured Home Policy
800 - Answers Amendatory Endorsement Residential(Storm Doors)
330 - Answers Provides least amount of coverage only applying to On-Premises Losses. with a
deductible for Coverage B.
310 - Answers Covers On-Premises losses with no deductible but Off-Premise under Coverage B
have a deductible. ALE is also covered.
320 - Answers One of most common policies also providing the most coverage. Provides the
, coverage of a 310 with added Wind Driven Rain coverage.
310 and 320 - Answers Also adds coverage for Additional Living Expenses. Only available for
primary property.
No TWIA 320 endorsement means - Answers There must be a storm created opening present
for interior water damage coverage to apply. ACV applies normally.
Coverage provided by TWIA 365 endorsement - Answers Adds replacement cost coverage to
personal property and carpet.
PPIF - Answers Personal Property inventory Form. Given to a policyholder that has suffered a
loss covered by a 365 endorsement.
Coverage provided by TWIA 804 endorsement - Answers Replacement Cost Coverage for
Coverage A but roof covering is reduced to ACV.
Roof Covering components - Answers -The roofing material exposed to the weather.
-The underlayment applied for moisture barrier such as felt paper.
-All flashing required in the replacement of a roof covering.
Coverage provided by TWIA 411 endorsement - Answers Modifies the TWIA dwelling policy to
cover manufactured homes. It provides coverage to the dwelling on the described location and
structures attached to the dwelling. Also provides Personal Property coverage.
Property not covered by a TWIA 411 endorsement - Answers -Awnings and carports
-Patio Covers, screening and supports, enclosing or partially enclosing pools, patios, porches or
other areas
-Greenhouses, hot houses, trellises, pergolas, etc.
-Wharfs, docks, boathouses, or other buildings/structures located wholly or partially over water,
including contents
-Outdoor radio equipment, satellites/television antennas and other associated equipment
-Fences
-seawalls, property line and other similar walls
-lawns, trees, shrubs, or plants
-paint or waterproofing material applied to the exterior of the dwelling
-wind turbines
TWIA - Answers Texas Windstorm Insurance Association
TWIA Counties - Answers Cameron, Willacy, Kenedy, Kleburg, Nueces, San Patricio, Aransas,
Refugio, Calhoun, Matagorda, Brazoria, Galveston, Chambers, Jefferson, and Harris*
2 Policy coverages - Answers A- Dwelling and Other Structures and B- Personal Property. Other
structures is part of Coverage A but has it's own separate estimate section.
2 Deductibles - Answers TWIA Dwelling policies have a deductible for both Coverage A and
Coverage B. No hurricane deductible
4 Extensions of Coverage - Answers 1. Debris Removal
2. Reasonable Repairs
3. Improvements, Alterations. and Additions
4. Property Removal
Exclusions - Answers 1. Flood
2. Rain - Storm Created Opening
3. Mold, fungi, or other microorganisms
4. Asbestos
802 - Answers Replacement Cost Coverage(Dwelling). As of 2019, TWIA policies are ACV.
Insured value of 80%+ provides automatic 802 coverage.
310, 320, 330 - Answers Extensions of Coverage falling under Consequential Loss.
365 - Answers Replacement Cost Endorsement(Personal Property)
804 - Answers Actual Cash Value Roofs
411 - Answers Conversion to TWIA Manufactured Home Policy
800 - Answers Amendatory Endorsement Residential(Storm Doors)
330 - Answers Provides least amount of coverage only applying to On-Premises Losses. with a
deductible for Coverage B.
310 - Answers Covers On-Premises losses with no deductible but Off-Premise under Coverage B
have a deductible. ALE is also covered.
320 - Answers One of most common policies also providing the most coverage. Provides the
, coverage of a 310 with added Wind Driven Rain coverage.
310 and 320 - Answers Also adds coverage for Additional Living Expenses. Only available for
primary property.
No TWIA 320 endorsement means - Answers There must be a storm created opening present
for interior water damage coverage to apply. ACV applies normally.
Coverage provided by TWIA 365 endorsement - Answers Adds replacement cost coverage to
personal property and carpet.
PPIF - Answers Personal Property inventory Form. Given to a policyholder that has suffered a
loss covered by a 365 endorsement.
Coverage provided by TWIA 804 endorsement - Answers Replacement Cost Coverage for
Coverage A but roof covering is reduced to ACV.
Roof Covering components - Answers -The roofing material exposed to the weather.
-The underlayment applied for moisture barrier such as felt paper.
-All flashing required in the replacement of a roof covering.
Coverage provided by TWIA 411 endorsement - Answers Modifies the TWIA dwelling policy to
cover manufactured homes. It provides coverage to the dwelling on the described location and
structures attached to the dwelling. Also provides Personal Property coverage.
Property not covered by a TWIA 411 endorsement - Answers -Awnings and carports
-Patio Covers, screening and supports, enclosing or partially enclosing pools, patios, porches or
other areas
-Greenhouses, hot houses, trellises, pergolas, etc.
-Wharfs, docks, boathouses, or other buildings/structures located wholly or partially over water,
including contents
-Outdoor radio equipment, satellites/television antennas and other associated equipment
-Fences
-seawalls, property line and other similar walls
-lawns, trees, shrubs, or plants
-paint or waterproofing material applied to the exterior of the dwelling
-wind turbines
