The National Weather Service classifies tropical storms as low pressure systems forming over tropical areas, with winds of a minimum of 40 mph. Hurricanes are classified by using the Saffir/Simpson intensity scale which measures atmospheric pressure in terms of millibars (mb) or inches of mercury, along with wind speeds, storm surge and damage:
The Texas Windstorm Insurance Association
TWIA’s purpose is to provide Texas citizens adequate wind and hail coverage when it is not available in the insurance
marketplace; and pay insured’s claims when losses occur.
The Texas Windstorm Insurance Association is a ‘pool’ of all property and casualty (P&C) insurance companies authorized to write coverage in Texas.
How do I secure coverage through Texas Windstorm Insurance Association?
An application for windstorm and hail coverage through Texas Windstorm Insurance Association must be submitted by a licensed property and casualty agent. The application must be on forms prescribed by the Association, and include premium payment and a current photograph (taken within the past 90 days) of each building item and each building containing property to be insured.