{"id":20217,"date":"2018-04-20T00:10:39","date_gmt":"2018-04-20T04:10:39","guid":{"rendered":"https:\/\/www.propertyinsurancecoveragelaw.com\/?p=20217"},"modified":"2018-04-20T00:10:39","modified_gmt":"2018-04-20T04:10:39","slug":"commissioner-of-insurance-extends-deadline-for-policyholders-to-demand-appraisal-for-damages-caused-by-hurricane-harvey","status":"publish","type":"post","link":"https:\/\/www.propertyinsurancecoveragelaw.com\/blog\/commissioner-of-insurance-extends-deadline-for-policyholders-to-demand-appraisal-for-damages-caused-by-hurricane-harvey\/","title":{"rendered":"Commissioner of Insurance Extends Deadline for Policyholders to Demand Appraisal for Damages Caused by Hurricane Harvey"},"content":{"rendered":"

On April 18, 2018, the Texas Commissioner of Insurance issued Order No. 2018-5463<\/a>, extending the deadline for a Texas Windstorm Insurance Association (TWIA) policyholder to demand appraisal on their Hurricane Harvey claim. Harvey made landfall in Texas and affected several parts of the Greater Houston area as well as several coastal areas from August 25 to August 30, 2017.<\/p>\n

The Commissioner\u2019s Order No. 2018-5463<\/a> will have the effect of further extending strict deadlines for TWIA policyholders and provide the opportunity for recovery in situations where policyholder\u2019s may have come very close to blowing a deadline necessary to obtain insurance proceeds.<\/p>\n

What does this mean for you?<\/strong><\/p>\n

First, understand that not all policyholders will be affected\u2014and therefore not benefit\u2014from this extension. This particular extension applies to TWIA policyholders only. More commonly referred to as a \u201ccoverage of last resort,\u201d TWIA policies provide wind and hail coverage for several Texas coastal wind properties. The properties situated in designated catastrophe areas and eligible for TWIA coverage include all fourteen first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio, and Willacy) and a portion of Harris County located east of State Highway 146. Many of TWIA\u2019s policies, deadlines, requirements, and procedures differ from a more traditional homeowner policy.<\/p>\n

If you maintain TWIA coverage and were affected by Hurricane Harvey, here\u2019s what you need to know about how these deadlines impact your claims process. The deadline to file your claim with TWIA is within one year from the date you incurred damage to your property. For Harvey victims, this would be a year after the date your property was damaged by Harvey. Once your clam is filed, TWIA will either accept or deny your claim, in full or in part. What occurs next is a critical deadline of which has been extended.<\/p>\n

The newly extended deadlines are as follows:<\/p>\n