The Texas Department of Insurance is currently developing a process for obtaining an Alternative Certification for obtaining windstorm insurance in coastal areas.
Under the Alternative Eligibility Program, residential property owners may continue to obtain windstorm insurance for their structure through Texas Windstorm Insurance Association (TWIA) without having to be previously insured for wind within the last 12 months as required under the previous waiver programs.
Windstorm insurance obtained through the Alternative Eligibility Program on or before Aug. 31, 2012, cannot be renewed after Aug. 31, 2013, without an “Alternative Certification.”
Residential property owners who do not have windstorm insurance through the Alternative Eligibility Program by Aug. 31, 2012, must obtain an Alternative Certification to be eligible for coverage through TWIA.
An Alternative Certification provides evidence that a qualifying structural component complies with windstorm building code requirements.
Source: Texas Department of Insurance