TWIA FIELD ADJUSTER CERT 2025 EXAM QUESTIONS AND
ANSWERS
TWIA - CORRECT ANSWER✅✅Texas Windstorm Insurance Association
TWIA Counties - CORRECT ANSWER✅✅Cameron, Willacy, Kenedy, Kleburg, Nueces, San Patricio,
Aransas, Refugio, Calhoun, Matagorda, Brazoria, Galveston, Chambers, Jefferson, and Harris*
2 Policy coverages - CORRECT ANSWER✅✅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 - CORRECT ANSWER✅✅TWIA Dwelling policies have a deductible for both Coverage A
and Coverage B. No hurricane deductible
4 Extensions of Coverage - CORRECT ANSWER✅✅1. Debris Removal
2. Reasonable Repairs
3. Improvements, Alterations. and Additions
4. Property Removal
Exclusions - CORRECT ANSWER✅✅1. Flood
2. Rain - Storm Created Opening
3. Mold, fungi, or other microorganisms
4. Asbestos
802 - CORRECT ANSWER✅✅Replacement Cost Coverage(Dwelling). As of 2019, TWIA policies are ACV.
Insured value of 80%+ provides automatic 802 coverage.
310, 320, 330 - CORRECT ANSWER✅✅Extensions of Coverage falling under Consequential Loss.
365 - CORRECT ANSWER✅✅Replacement Cost Endorsement(Personal Property)
, 804 - CORRECT ANSWER✅✅Actual Cash Value Roofs
411 - CORRECT ANSWER✅✅Conversion to TWIA Manufactured Home Policy
800 - CORRECT ANSWER✅✅Amendatory Endorsement Residential(Storm Doors)
330 - CORRECT ANSWER✅✅Provides least amount of coverage only applying to On-Premises Losses.
with a deductible for Coverage B.
310 - CORRECT ANSWER✅✅Covers On-Premises losses with no deductible but Off-Premise under
Coverage B have a deductible. ALE is also covered.
320 - CORRECT ANSWER✅✅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 - CORRECT ANSWER✅✅Also adds coverage for Additional Living Expenses. Only available
for primary property.
No TWIA 320 endorsement means - CORRECT ANSWER✅✅There must be a storm created opening
present for interior water damage coverage to apply. ACV applies normally.
Coverage provided by TWIA 365 endorsement - CORRECT ANSWER✅✅Adds replacement cost coverage
to personal property and carpet.
PPIF - CORRECT ANSWER✅✅Personal Property inventory Form. Given to a policyholder that has
suffered a loss covered by a 365 endorsement.
Coverage provided by TWIA 804 endorsement - CORRECT ANSWER✅✅Replacement Cost Coverage for
Coverage A but roof covering is reduced to ACV.
ANSWERS
TWIA - CORRECT ANSWER✅✅Texas Windstorm Insurance Association
TWIA Counties - CORRECT ANSWER✅✅Cameron, Willacy, Kenedy, Kleburg, Nueces, San Patricio,
Aransas, Refugio, Calhoun, Matagorda, Brazoria, Galveston, Chambers, Jefferson, and Harris*
2 Policy coverages - CORRECT ANSWER✅✅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 - CORRECT ANSWER✅✅TWIA Dwelling policies have a deductible for both Coverage A
and Coverage B. No hurricane deductible
4 Extensions of Coverage - CORRECT ANSWER✅✅1. Debris Removal
2. Reasonable Repairs
3. Improvements, Alterations. and Additions
4. Property Removal
Exclusions - CORRECT ANSWER✅✅1. Flood
2. Rain - Storm Created Opening
3. Mold, fungi, or other microorganisms
4. Asbestos
802 - CORRECT ANSWER✅✅Replacement Cost Coverage(Dwelling). As of 2019, TWIA policies are ACV.
Insured value of 80%+ provides automatic 802 coverage.
310, 320, 330 - CORRECT ANSWER✅✅Extensions of Coverage falling under Consequential Loss.
365 - CORRECT ANSWER✅✅Replacement Cost Endorsement(Personal Property)
, 804 - CORRECT ANSWER✅✅Actual Cash Value Roofs
411 - CORRECT ANSWER✅✅Conversion to TWIA Manufactured Home Policy
800 - CORRECT ANSWER✅✅Amendatory Endorsement Residential(Storm Doors)
330 - CORRECT ANSWER✅✅Provides least amount of coverage only applying to On-Premises Losses.
with a deductible for Coverage B.
310 - CORRECT ANSWER✅✅Covers On-Premises losses with no deductible but Off-Premise under
Coverage B have a deductible. ALE is also covered.
320 - CORRECT ANSWER✅✅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 - CORRECT ANSWER✅✅Also adds coverage for Additional Living Expenses. Only available
for primary property.
No TWIA 320 endorsement means - CORRECT ANSWER✅✅There must be a storm created opening
present for interior water damage coverage to apply. ACV applies normally.
Coverage provided by TWIA 365 endorsement - CORRECT ANSWER✅✅Adds replacement cost coverage
to personal property and carpet.
PPIF - CORRECT ANSWER✅✅Personal Property inventory Form. Given to a policyholder that has
suffered a loss covered by a 365 endorsement.
Coverage provided by TWIA 804 endorsement - CORRECT ANSWER✅✅Replacement Cost Coverage for
Coverage A but roof covering is reduced to ACV.
