The Texas Windstorm Insurance Association (TWIA) is a not-for-profit insurance association providing wind and hail coverage to coastal residents and businesses unable to obtain it from private insurers. TWIA operates like an insurance company, issuing policies, collecting premiums, and paying claims. Its target audience includes property owners in designated coastal areas of Texas. The unique selling proposition is its role as a residual insurer of last resort, offering essential coverage when private markets are unavailable. TWIA does not cover flood damage, making it distinct from comprehensive insurance providers[1][3][5].