Texas Insurance Code ch. 2210 -- Texas Windstorm Insurance Association, complete

What this document is

Texas Insurance Code ch. 2210 -- Texas Windstorm Insurance Association, complete (Secs. 2210.001-2210.705) is a state statute published by Texas Legislative Council (statutes.capitol.texas.gov; document host tcss.legis.texas.gov). It is one of the Texas documents that insurance license exam questions are written from, including texas property & casualty, texas personal lines, texas claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Tex. Ins. Code § 2210.202(a) (Application for Coverage; Declination Requirement)

  “The association shall make insurance available to each applicant in the catastrophe area whose property is insurable property but who, after diligent efforts, is unable to obtain property insurance through the voluntary market, as evidenced by one declination from an insurer authorized to engage in...”

• Tex. Ins. Code § 2210.258(c) (Compliance With Building Codes; Eligibility)

  “(c) The association may insure a residential structure constructed, altered, remodeled, enlarged, repaired, or added to on or after June 19, 2009, that is not in compliance with the applicable building code standards, as set forth in the plan of operation, provided that: (1) the structure had been...”

• Tex. Ins. Code § 2210.2515(c) (Issuance of Certificates of Compliance)

  “(c) A person may apply to the department on a form prescribed by the department for a certificate of compliance for a completed improvement. The department shall issue a certificate of compliance for a completed improvement if a professional engineer licensed by the Texas Board of Professional...”

• Tex. Ins. Code § 2210.201 (Definition of Insurable Interest)

  “In this subchapter, "insurable interest" includes any lawful and substantial economic interest in the safety or preservation of property from loss, destruction, or pecuniary damage.”

• Tex. Ins. Code § 2210.207(d) (Windstorm and Hail Insurance: Replacement Cost Coverage)

  “If, on the effective date of an association policy, the total amount of insurance applicable to a dwelling is equal to less than 80 percent of the full replacement cost of the dwelling and less than the maximum amount of insurance available through the association, liability for loss under the...”

• Tex. Ins. Code § 2210.203(a-1) (Issuance of Coverage; Term; Renewal)

  “(a-1) This subsection applies only to a structure constructed, altered, remodeled, or enlarged on or after September 1, 2009, and only for insurable property located in areas designated by the commissioner. Notwithstanding Subsection (a), if all or any part of the property to which this subsection...”

• Tex. Ins. Code § 2210.208(a) (Windstorm and Hail Insurance: Coverage for Certain Indirect Losses)

  “(a) Except as provided by Subsections (e) and (f), a windstorm and hail insurance policy issued by the association for a dwelling, as that term is defined by the department or a successor to the department, must include coverage for: (1) wind-driven rain damage, regardless of whether an opening is...”

• Tex. Ins. Code § 2210.205(a)(1) (Required Policy Provisions: Deadline for Filing Claim)

  “Sec. 2210.205. REQUIRED POLICY PROVISIONS: DEADLINE FOR FILING CLAIM; NOTICE CONCERNING RESOLUTION OF CERTAIN DISPUTES. (a) A windstorm and hail insurance policy issued by the association must: (1) require an insured to file a claim under the policy not later than the first anniversary of the date...”

• Tex. Ins. Code § 2210.574(f) (Disputes Concerning Amount of Accepted Coverage)

  “(f) Except as provided by Subsection (g), the appraisal decision is binding on the claimant and the association as to the amount of loss the association will pay for a fully accepted claim or the accepted portion of a partially accepted claim and is not appealable or otherwise reviewable. A...”

• Tex. Ins. Code § 2210.210 (Coverage of Certain Structures Prohibited)

  “Sec. 2210.210. COVERAGE OF CERTAIN STRUCTURES PROHIBITED. The association may not issue coverage for a wind turbine regardless of whether the turbine could otherwise be considered insurable property under this chapter.”

• Tex. Ins. Code § 2210.505(a), (b) (Reinsured Excess Limits)

  “Sec. 2210.505. REINSURED EXCESS LIMITS. (a) Notwithstanding any other law, the association may issue a windstorm and hail insurance policy that includes coverage for an amount in excess of a maximum liability limit established under Sections 2210.501-2210.504 if the association first obtains from a...”

• Tex. Ins. Code § 2210.208(f) (Windstorm and Hail Insurance: Coverage for Certain Indirect Losses)

  “(f) The association is not required to provide coverage for: (1) loss of use, if the loss is loss of rent or loss of rental value; or (2) additional living expenses, if the insured property is a secondary or a nonprimary residence.”

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