For those insurance lawyers handling flood claims, a Corpus Christi Court of Appeals opinion issued in 2017, is a must read. It is styled, Housing & Community Services, Inc. and HCS 401, LLC D/B/A Lantana Square Apartments v. Texas Windstorm Insurance Association.
This is an appeal in favor of TWIA
HCS had policies providing coverage with TWIA through December 2012. On May 15, 2012, HCS sustained damage to covered property and on May 28, 2013, filed two claims with TWIA. On July 1, 2013, TWIA denied both claims on the grounds that HCS failed to fulfill its duty to file its claim with TWIA within one year of the loss.