A FRAMEWORK FOR REGULATORY USE OF REAL-WORLD EVIDENCE

| December 26, 2017

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The Duke-Margolis Center would like to thank several individuals for their contributions to this white paper. The paper would not have been possible without the months-long collaboration of the authors listed on page two. Their expert perspectives, open discussion, and thoughtful feedback on working drafts were indispensable and we are grateful for their support.

Spotlight

Texas Windstorm Insurance Association

TWIA was created to give coastal Texans access to wind and hail property insurance when no other insurer will provide it. After Hurricane Celia in 1970, enough insurers were excluding wind and hail coverage from their coastal insurance policies that it gained the attention of the Texas Legislature. The Legislature found that “the provision of adequate windstorm and hail insurance was necessary to the economic welfare of Texas, and without that insurance, the orderly growth and development of the state would be severely impeded.” To provide this essential insurance, the Legislature created TWIA in 1971.

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Spotlight

Texas Windstorm Insurance Association

TWIA was created to give coastal Texans access to wind and hail property insurance when no other insurer will provide it. After Hurricane Celia in 1970, enough insurers were excluding wind and hail coverage from their coastal insurance policies that it gained the attention of the Texas Legislature. The Legislature found that “the provision of adequate windstorm and hail insurance was necessary to the economic welfare of Texas, and without that insurance, the orderly growth and development of the state would be severely impeded.” To provide this essential insurance, the Legislature created TWIA in 1971.

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