TX · regulation notes
Texas wildfire insurance & regulation
Paraphrased from official DOI / residual-market materials. Not legal advice — confirm live pages before relying on day counts or dollar limits.
FAIR / residual market
Statewide residual residential property mechanism (HO / dwelling / condo / tenant forms per TDI overview). TWIA (Texas Windstorm Insurance Association) is a separate coastal wind/hail residual market — not a substitute for FAIR fire/property coverage. Confirm eligibility, declination rules, and limits in the live Plan of Operation / TDI FAIR overview PDF.
Non-renewal & notices
Secondary and research notes commonly cite Tex. Ins. Code § 551.105 for about 60 days nonrenewal notice — confirm in the Insurance Code / TDI consumer materials before relying on the day count.
Mitigation credits & disclosure
No California-style mandatory wildfire mitigation discount statute was extracted from the TDI FAIR overview in the research pass. Carrier-filed credits and IBHS-type programs may apply company-by-company. Wildfire pressure is noted in Hill Country / Panhandle / grassfire corridors in market reporting.
Risk-score / appeal path
Ask your carrier in writing for the underwriting basis and any model inputs; document roof, clearing, and defensible-space work. Escalate disputes to TDI consumer help when needed.
Homeowner takeaways
- Distinguish TFPA (fire/property residual) from TWIA (coastal wind).
- After inland wildfire nonrenewal, shop admitted markets then TFPA via an agent.
- Document mitigation even without a statewide mandatory credit law.