Welcome to the TFPA Home Page!
The Texas FAIR Plan (FAIR Plan) was created by an act of the Texas Legislature (Chapter 2211, Tex. Ins. Code) for the purpose of providing basic residential property insurance to applicants who cannot secure coverage in the voluntary market.
As a market of last resort, coverage available through the FAIR Plan is not as comprehensive as coverage available through the voluntary market. The FAIR Plan does not compete with the private market and applicants must have two declinations from other insurers in order to obtain coverage with the FAIR Plan. Applicants are not eligible for coverage with the FAIR Plan if they have a current homeowners or other residential property policy, renewal offer, or a binding quote from an authorized insurance company.
Although the FAIR Plan is considered a market of last resort, applications submitted for coverage are subject to underwriting guidelines for characteristics of ownership, condition, occupancy, maintenance, and liability exposure. Properties owned/deeded in the name of a business (corporation, partnership, association, LLP, LLC, etc.) are not eligible for coverage with the FAIR Plan. Vacant/unoccupied properties are also not eligible for coverage with the FAIR Plan.
The Texas FAIR Plan Association (TFPA) does not sell policies directly to the public and does not have agents of its own. TFPA will accept an application for insurance from a properly licensed and authorized agent you choose to represent you in this process.
Please refer to the Available Coverages, Frequently Asked Questions, or Find an Authorized Agent links on this page for additional information. Agents must submit a request to the TFPA to be designated as authorized. Select Not Authorized Yet? to enroll. TFPA contact information is provided under the Contacts link above.
If your property has been damaged by recent wind or hail storm events please call your agent or the Texas FAIR Plan Association at 1-800-979-6440 (option 1) to report your claim as soon as possible. Once we are aware of your claim we will assign an adjuster who will contact you as quickly as possible. If necessary, please make any minor repairs to protect your property from further loss and keep receipts for any work. Please do not begin making permanent repairs until a TFPA assigned adjuster has contacted you and inspected your property. Once you have reported the loss you may be assured we will process your claim as quickly as possible.
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