First, the law DOES NOT APPLY to claims under policies of insurance issued by the Texas Windstorm Insurance Administration (TWIA - Windstorm) or Federal Emergency Act (FEMA - Flood). With that said, many policy holders in Southeast Texas have private homeowner policies (State Farm, Allstate, Farmers, etc) that may cover losses from this disaster. The law also applies to business claims for property damage, lost inventory and business interruption which are typically not written by TWIA.