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HB 2841

Relating to Texas Windstorm Insurance Association underwriting standards for structures that meet certain construction standards.

89th Legislature (2025) Introduced by Penny Morales Shaw and 2 co-sponsors

HB 2841 expands Texas windstorm insurance eligibility for structures meeting higher construction standards, potentially improving coverage access in coastal high-risk areas.

Placed on General State Calendar
#buildingconstruction(s0426) #insurance--property&casualty(i0442) #windstormdevices&insurance(s0308) #windstorminsuranceassociation #texas(v0508)
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Bill Summary · HB 2841

Legislative bill overview

HB 2841 modifies the underwriting standards for the Texas Windstorm Insurance Association (TWIA), allowing structures that meet certain construction standards to qualify for coverage under more favorable terms. The bill specifically addresses how TWIA evaluates and insures properties, potentially expanding eligibility for wind damage coverage in coastal and high-risk areas of Texas.

Why is this important

TWIA is the insurer of last resort for windstorm and hail damage in Texas coastal areas, and its underwriting standards directly affect property owners' ability to obtain affordable insurance. Changes to these standards can impact insurance availability and costs for homeowners and businesses in hurricane-prone regions, while also influencing TWIA's financial exposure and premium rates across the pool.

Potential points of contention

  • Construction standard definitions: Disagreement over what specific building codes or construction improvements qualify for favorable underwriting treatment could affect which properties benefit
  • Financial impact on TWIA: Expanding eligibility may increase claims exposure and potentially raise premiums for existing policyholders if not carefully calibrated
  • Equity concerns: Properties that don't meet the standards may face higher costs or denial of coverage, creating disparities between compliant and non-compliant structures

Compiled from official sources — confirm details with the bill’s official record.

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