TDI
The Texas Department of Insurance regulates insurance and runs the windstorm inspection program. Start here for codes, certificates, bulletins and consumer guidance.
TDI windstorm hub ↗05 / TDI INSURANCE UPDATES
Texas roof rules,
without the runaround.
A running field guide to TDI, TWIA, coastal windstorm rules, FORTIFIED Roof and Texas roofing policy. Follow what changed, what is still proposed, and what it means for your next roof decision.
DECIDED →
OCTOBER 1, 2026 · FINAL ORDER
TDI rules on TWIA's 2027 maximum coverage limits.
After the September 29 public hearing, TDI disapproved proposed increases for residential, condo/apartment contents, and commercial maximum limits, but approved the manufactured-home maximum of $123,000 for policies issued or renewed from January 1, 2027. These are coverage ceilings, not TWIA rates or individual premiums.
Read the commissioner's final orderVIDEO CONTEXT · JULY 31, 2026 · POLICY PROPOSAL
Why Texas is discussing stronger roofs and insurance costs
Watch the 38-second excerpt from Governor Abbott's remarks on homeowners insurance and a proposed Texas roof fortification program (original video 1:15–1:53). This is a policy proposal, not an available grant or a promise of lower premiums. The dated updates below track later actions; ask your insurer about any credit for your own policy.
START HERE / THE PLAYERS
Four names. Four different jobs.
Knowing who sets a rule, issues a policy, or verifies a roof keeps the whole process clearer.
TWIA
The Texas Windstorm Insurance Association provides wind and hail coverage to eligible coastal properties that meet its requirements. A TDI certificate may be part of eligibility.
TWIA official site ↗FORTIFIED
IBHS created this voluntary construction and reroofing program. A FORTIFIED designation involves technical requirements, documentation and independent evaluation.
IBHS standard ↗WPI-8
A windstorm certificate of compliance documents qualifying construction in a designated Texas catastrophe area. It is separate from a FORTIFIED designation.
TDI inspection guide ↗THE RECORD / NEWEST FIRST
What changed, and when.
Official actions, proposals and practical guidance are marked separately. Select a subject or search the record.
Showing 15 source-backed updates
TWIA pauses new and increased windstorm coverage during Hurricane Isaias
TWIA says a policy moratorium is in effect after Hurricane Isaias formed in the Gulf. During it, TWIA cannot accept new applications, issue new policies, or increase existing coverage; renewals without an increase may continue. TWIA will announce when it lifts the moratorium, and normal issuing resumes at 12:01 a.m. the following day. This is a temporary insurance restriction, not a Texas coastal roof-work ban. Ask your insurance agent to confirm the current status before assuming new or increased coverage can take effect.
Read the official source TWIA - October 8 agent bulletinCheck TWIA moratorium guidance and current statusTDI reports recent homeowners insurance rate decrease filings
TDI says most homeowners insurers filing rate changes since July 1 proposed decreases affecting about 700,000 policyholders. Filed homeowners changes averaged a 4.3% decrease over the preceding 90 days; examples include ASI Lloyds at 6% and Texas Farm Bureau Mutual at 5.2%. These are filed changes, not a promise that every homeowner’s premium will fall or a FORTIFIED-specific discount. Ask your insurer or agent about the filing and effective date for your policy.
Read the official source TDI - October 8 news releaseLook up insurer rate filingsTDI adopts updated Homeowners Bill of Rights
TDI adopted revised consumer-rights notices for homeowners, dwelling, and renters insurance. Starting January 1, 2027, covered insurers must provide the updated notice with new policies or a renewal if it was not previously sent. It explains rights including written reasons for a decline, cancellation, or nonrenewal and appraisal for disputes over loss amounts. The rule excludes TWIA and the Texas FAIR Plan. This is a notice update, not a guarantee that a particular roof claim is covered.
Read the official source TDI - adopted rule, 28 TAC §5.9971TDI decides TWIA 2027 maximum coverage limits
After the September 29 hearing, the commissioner disapproved proposed 2027 increases for residential dwellings, condo or apartment contents, and commercial buildings. Those maximum limits stay at $1,773,000, $374,000, and $4,424,000. The manufactured-home maximum rises from $119,000 to $123,000 for policies issued or renewed on or after January 1, 2027. These are coverage ceilings, not TWIA rates or a quote for any individual property.
Read the official source TDI - Commissioner Order 2026-10171TDI clarifies the rule on roof age and home insurance
TDI says its existing rule prohibits insurers from declining or not renewing residential property insurance solely because a home or roof is older. Insurers may consider physical condition. TDI has proposed wording changes to make that existing rule clearer; the amendment is not yet adopted. Public comments are due November 9, 2026.
Read the official source TDI - September 29 news release and proposed ruleRead the proposed amendmentIBHS sets asphalt-shingle re-designation eligibility limits
IBHS bulletin FH 2026-03 limits FORTIFIED re-designation eligibility for homes with asphalt-shingle roof areas. For new-roof designations, the limit is 15 years from the initial designation; for an existing roof with a documented installation date, it is 15 years from that date. An existing roof with an unknown installation date may receive one initial term of up to five years, then needs replacement before re-designation. The rules apply to designation applications submitted on or after January 1, 2027 and do not shorten terms already issued. This is about FORTIFIED eligibility, not a general 15-year roof-replacement requirement or a change to TDI insurance underwriting rules.
Read the official source IBHS FORTIFIED - Technical Bulletin FH 2026-03TDI launches ZIP-code home insurance transparency tool
TDI launched a public tool showing, by ZIP code, reported reasons home policies were declined, canceled or not renewed. Its categories include roof condition and wind, hail or hurricane exposure. The figures describe area-level reports, not why an individual insurer acted on your policy; ask your insurer for its written explanation.
Read the official source TDI · September 23 news releaseExplore the ZIP-code toolTDI encourages premium discounts for stronger roofs
Commissioner’s Bulletin B-0008-26 encourages insurers to develop actuarially supported discounts for loss mitigation, including IBHS FORTIFIED homes and impact-resistant roofing. It does not create a guaranteed discount for every policyholder. Ask your insurer what credits are filed and what documentation it needs.
Read the official source TDI · Commissioner’s Bulletin B-0008-26Governor announces property-insurance actions
Governor Abbott announced TDI actions on roof resilience and property-insurance costs and proposed a Texas Roof Fortification Program for consideration in the next legislative session. A proposed program is not an available grant or an enacted benefit; we will track any bill and final rules separately.
Read the official source Office of the Texas Governor · News releaseTWIA board directs a filing for no 2027 rate increase
TWIA’s board directed a filing for no rate increase for 2027. A board direction and rate filing are different from an individual premium quote; coverage, insured value and policy details still matter. Follow the official filing record for its final status.
Read the official source TWIA · Legislative updatesTWIA publishes its annual rate adequacy analysis
TWIA posted its 2026 actuarial analysis before its annual rate recommendation process. The analysis is background for a rate decision, not itself a rate change. Check the filing and order before treating any proposed figure as your new premium.
Read the official source TWIA · Rate adequacy analysisWhen does coastal roof work need a windstorm inspection?
TDI says most roof replacements and major repairs in designated catastrophe areas need an inspection and certificate of compliance. Check the property address and work scope before installation; ask who will arrange the inspection while the work is visible.
Read the official source TDI · Windstorm inspection guide2024 building codes take effect for WPI-1 certification
Beginning April 1, 2026, WPI-1 windstorm certificate applications must certify to the 2024 IRC or 2024 IBC. TDI says the designated catastrophe areas did not change with this code adoption. Requirements still depend on the location and project.
Read the official source TDI · Adopted building codes2025 FORTIFIED Home standard begins
IBHS says projects permitted on or after November 1, 2025 must use the 2025 FORTIFIED Home standard; where no roof permit is required, it applies to roofs installed from that date. FORTIFIED is a voluntary program with separate documentation and designation requirements.
Read the official source IBHS FORTIFIED · 2025 technical documentsRoofing contractor licensing bill stops at House Calendars
HB 3344 proposed state regulation and licensing of reroofing contractors. The Legislature’s last recorded action was sending the committee report to House Calendars on May 8, 2025. That bill history does not show enactment; a proposal should not be described as a current license requirement.
Read the official source Texas Legislature Online · HB 3344 historyNo updates match that search. Try another term or select “All updates.”
DEEPER DIVE / FORTIFIED ROOF
A stronger roof is a process, not a sticker.
FORTIFIED is an IBHS construction standard and designation program. A homeowner considering it should ask which standard applies, whether an independent evaluator will be involved before work starts, what documentation is required during installation, and how the finished roof will be designated. A WPI-8 certificate and a FORTIFIED designation answer different questions.
Explore the current IBHS technical documentsFORTIFIED® and the FORTIFIED Roof™ mark belong to the Insurance Institute for Business & Home Safety (IBHS). Program marks identify the standard; each property must meet program requirements and complete its own review to earn a designation.
01Plan to the current standard
02Arrange independent evaluation
03Document the roof as it is built
04Confirm designation and ask your insurer about credits
BOOKMARK THE SOURCE DESK
Go straight to the record.
These are the places we check for new rules, hearings and program changes.
HOW TO USE THIS PAGE
See a change that affects your roof?
Start with the linked source, then discuss your specific property with the right expert: your insurer for coverage and discounts, TDI or an appointed inspector for windstorm requirements, and TBAR for the roofing scope. This independent guide is not affiliated with TDI, TWIA or IBHS.