[TX P&C] 22. Homeowners, Coastal Wind and Flood Case Review

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - How to differentiate private homeowners wind endorsements, TWIA windstorm coverage, and flood insurance. - The statutory requirement for private insurer declination from an admitted carrier before seeking TWIA coverage. - Valid building code Certificates of Compliance including TDI WPI-8, WPI-8-E, historical TWIA WPI-8-C, and statutory exceptions. - The three specific conditions that trigger mandatory flood insurance for TWIA eligibility in NFIP V flood zones built or altered after September 1, 2009. - Why treating TWIA windstorm policies and flood insurance as interchangeable creates a major exam trap. OpenExamPrep provides independent study resources to support your exam preparation; practice interactive test questions at https://open-exam-prep.com/practice/tx-property-casualty and find video guides at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 - https://tcss.legis.texas.gov/resources/IN/htm/IN.2210.htm - https://www.tdi.texas.gov/agent/general-property-apply.html - https://www.tdi.texas.gov/consumer/index.html