If you have a TWIA windstorm or hail policy and TWIA has delayed, underpaid, or denied your claim, you are not dealing with a typical insurance company.

TWIA claims are governed by Texas Insurance Code Chapter 2210 and TWIA policy forms that impose unique deadlines and dispute procedures. Missing a TWIA deadline can permanently limit what you can recover — even when the damage is real and the underpayment is obvious.

Lundquist Law Firm represents policyholders (not insurance companies) in TWIA disputes across Corpus Christi, Portland, and the Coastal Bend.

TWIA claims are different — and the deadlines are different

With many private insurers, policyholders expect a longer back-and-forth process. With TWIA, there are statutory and policy-based timelines that can move quickly, including:

• One-year deadline (in many cases) to report a TWIA claim after the date of loss

• Short appraisal window for “accepted but underpaid” claims

• Notice and ADR requirements for denied-coverage disputes

• A two-year limitations/repose framework tied to TWIA’s denial notice in many denial cases

If you’re holding a TWIA decision letter and you disagree with it, the safest approach is to assume the clock is already running.

What is TWIA?

The Texas Windstorm Insurance Association (TWIA) is a residual insurer created to provide wind and hail coverage when the private market will not.

TWIA generally covers eligible property located in the Texas designated catastrophe area, including the 14 first-tier coastal counties and parts of Harris County. TWIA coverage is generally limited to windstorm and hail (not all perils).

In other words: TWIA often provides essential coverage for coastal Texans — but TWIA disputes operate under a legal framework that is unlike private insurance.

TWIA claim problems we handle

TWIA hail damage claims

• roof damage minimized as “wear and tear”

• test squares that don’t reflect the roof’s true condition

• missing slope, access, safety, or overhead & profit

• depreciation disputes

• damage scoped as patchwork when full replacement is required

TWIA windstorm and hurricane claims

• under-scoped roof and envelope damage

• disputed causation

• overlooked water intrusion pathways

• underpayment of building components and systems

Commercial and HOA / Condominium claims

• multi-building policies and complex “claim definitions”

• inconsistent scope across buildings

• disputes over how TWIA grouped buildings, roofs, and components

• timeline and documentation issues unique to HOAs and commercial owners

Why hire a TWIA lawyer (instead of “handling it yourself”)?

TWIA disputes often turn on process as much as proof. An attorney can help you:

• interpret TWIA’s decision letter and identify what was accepted vs. denied

• calendar deadlines that can waive rights if missed

• develop a plan for professional evaluation and documentation

• communicate with TWIA strategically (without accidentally conceding key points)

• pursue appraisal when appropriate — and prepare for it properly

• navigate TWIA’s notice and ADR requirements for denied-coverage disputes

• litigate when necessary under Chapter 2210’s framework

The goal is simple: preserve your rights and position the claim for full, fair payment under the TWIA policy.

Local experience matters in TWIA cases

TWIA cases can involve TWIA-specific procedures, statutory deadlines, and court-driven requirements that are unfamiliar to many lawyers who do not regularly handle TWIA disputes.

Lundquist Law Firm has significant experience litigating TWIA cases in the Coastal Bend. We understand the practical realities of TWIA disputes for property owners in Nueces County and surrounding coastal counties, including the pace at which TWIA issues decisions and the procedural traps that can appear after a decision letter is received.

Why consult with Lundquist Law Firm specifically

TWIA claims require a different playbook than standard insurers because TWIA disputes are governed by Chapter 2210, TWIA policy forms, and TWIA-specific dispute procedures.

When a TWIA decision arrives — especially for an HOA, condominium association, or commercial policy with multiple buildings — there’s rarely time for trial-and-error. A consultation can help answer the urgent questions:

• What exactly did TWIA accept vs. deny?

• Did the decision letter define the claim incorrectly?

• Does the 60-day appraisal deadline apply — and when does it expire?

• What evidence and professional evaluations are needed to document hail impacts now?

• Do we need to correct the claim framing immediately to avoid waiver later?

TWIA disputes are high-stakes and procedural. Outcomes often hinge on how the claim is defined, how deadlines are preserved, and how evidence is developed. Our firm has taken TWIA cases all the way through trial and appeal — and won.

Here is one example that illustrates the difference TWIA experience can make:

• Case: Commerce Office Park-One, L.P. v. Texas Windstorm Insurance Association (TWIA)

• Court: 105th Judicial District Court, Nueces County, Texas (Corpus Christi)

• Trial: February 2020 (8-day jury trial)

• TWIA’s offer: $0 throughout litigation and even during trial

• Result: Final judgment entered for over $4.2 million

• Recognition: TopVerdict reported it as the #1 Texas verdict against any insurance company in 2020

• Appeal: On October 3, 2024, the Thirteenth Court of Appeals affirmed the judgment in its entirety

That decision was historic for several reasons:  (1) it remains as the only successful commercial property insurance claim to go to trial against any insurance company stemming from Hurricane Harvey damage since 2017; (2) it was the first policyholder verdict against TWIA under the new Texas statutes (solely governing TWIA) which have been in effect since 2011; and (3) it was the first verdict ever to find TWIA improperly denied a claim with a “specific intent to harm.”

At Lundquist Law Firm, we have handled thousands of TWIA claims since 2008 and have recovered millions of dollars in policy benefits for TWIA policyholders, including apartment complexes, condos, hotels, and commercial buildings.  The point for today’s TWIA policyholders is simple: TWIA claims require TWIA-specific knowledge, especially when deadlines are short, decision letters are complicated, you’ve got a sizeable claim, or the claim involves multiple buildings, roofs, or coverages.

TWIA FAQ

How long do I have to file a TWIA claim?

Many TWIA claims are subject to a one-year deadline from the date of loss to report the claim. If you’re anywhere close to the deadline, do not wait.

TWIA accepted my claim but paid too little. What now?

Accepted-coverage disputes often require a quick decision about whether to invoke appraisal. Missing the appraisal deadline can waive the right to dispute the amount TWIA will pay for the accepted portion.

TWIA denied my claim (or denied part of it). Can I sue?

Denied-coverage disputes can require notice and TWIA may require ADR before suit. There is often a two-year limitations/repose framework tied to TWIA’s denial notice. These rules are technical — get advice early.

I don’t see leaks. Do I still have a claim?

Possibly. High winds and large hail can cause functional roof damage that isn’t visible from the ground and may not leak immediately. A professional evaluation can be critical — especially before deadlines expire and before another storm complicates causation.

My building got hit again after the first hailstorm. Does that matter?

Yes. Multiple storm events can create serious causation disputes, and delaying the first claim can allow TWIA to argue the damage can’t be tied to a specific event. Early documentation matters.

Areas we serve

We represent TWIA policyholders across the Texas coast, including the Coastal Bend and surrounding communities such as:

• Corpus Christi

• Portland

• Ingleside / Aransas Pass

• Rockport / Fulton

• Port Aransas

• Gregory / Sinton / Taft

• Kingsville and surrounding areas

If your property is in a coastal county where TWIA writes coverage, we can help you evaluate your options.

Talk to a TWIA lawyer today

If TWIA has underpaid or denied your claim — or if you have damage and need to file before deadlines expire — call us for a free consultation at (346) 704-5295 or contact us today to schedule a free case evaluation with a lawyer.