Questions & answers · Home insurance
I have a Texas Windstorm Insurance Association (TWIA) policy and disagree with the estimate. What are the deadlines?
Home insurancePaid too littleChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: TDI View original ↗
In short
- You have one year from the loss to file with TWIA.
- If you disagree, ask TWIA in writing to look again, or use appraisal.
- Watch the 545-day or 60-day deadline, based on your policy.
What this means
TDI says you have one year from the date of loss to file a claim with TWIA [1].
If you disagree with TWIA's estimate, you can ask TWIA to look at the claim again and request a supplemental payment, or use the appraisal process [1].
TDI gives these deadlines [1]: • Replacement cost coverage on a policy that started or renewed after January 1, 2020: 545 days (about 18 months) to complete repairs. Telling TWIA you disagree before the 545-day deadline protects your right to a supplemental payment or appraisal. • An older policy, or no replacement cost coverage: 60 days to demand appraisal after you get TWIA's estimate.
To request a supplemental payment, TDI says to call TWIA at 800-788-8247 with your policy and claim numbers, and to make the request in writing too [1].
Your next step
+ deadline: see the 545-day and 60-day deadlines above, depending on your policy [1].
Where this comes from (1)
[1] TDI · checked 2026-11-05
You have one year from the date of loss to file a claim with the Texas Windstorm Insurance Association (TWIA). … Deadlines: If you have replacement cost coverage and your policy started or renewed after January 1, 2020, you have 545 days (about 18 months) to complete repairs. If you tell TWIA you disagree with their estimate before the 545-day deadline, you protect your right to request a supplemental payment or use …
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
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This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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