Governor Greg Abbott today announced the Texas Department of Insurance (TDI) has issued an emergency rule to protect Weston Property & Casualty Insurance Company policyholders this hurricane season. The rule removes certain barriers for Weston's Texas policyholders to receive wind and hail coverage through the Texas Windstorm Insurance Association (TWIA) after the Florida-based property and casualty company was ordered by a Florida court to end its operations on September 7, 2022.

Of Weston's more than 30,000 Texas-based insurance customers, over 23,000 live in TWIA's Designated Catastrophe Area.

"The State of Texas is working to ensure Texas residents along the Gulf Coast are receiving critical wind and hail insurance coverage throughout hurricane season," said Governor Abbott. "These Texas customers are not at fault and have already taken the steps necessary to insure their homes and property. We must ensure that Texans, especially in our coastal regions, are able to be fully prepared and covered for any weather events with the potential to impact their lives and livelihoods."

“After learning that thousands of Texans in coastal areas could be without necessary insurance coverage due to no fault of their own, we issued this emergency rule,” said TDI Insurance Commissioner Cassie Brown. “Without TDI’s emergency rule, many Weston policyholders would not be able to get wind or hail insurance for this hurricane season.”

"Our coastal residents deserve nothing less than the actions taken today," said State Senator Juan "Chuy" Hinojosa. "I appreciate Governor Abbott and TDI Commissioner Brown working with Chairman Todd Hunter and our coastal legislative delegation to protect impacted Weston policyholders during the peak of hurricane season. This emergency rule gives our constituents, who will lose coverage through no action of their own, more time to get insured and the flexibility needed to make payments."

“Thanks to Governor Abbott and the Texas Department of Insurance for helping coastal residents and businesses," said State Representative Todd Hunter. "These rules provide protection, freedom, and safety for our Texas coast during this ongoing hurricane season."

“This emergency rule helps provide immediate and more affordable windstorm coverage for thousands of coastal residents who were left without insurance in the middle of hurricane season," said State Representative Mayes Middleton. "Thank you to Governor Abbott and TDI for their swift action in helping coastal homeowners.”

The emergency rule provides Weston policyholders who qualify for insurance coverage through TWIA the following benefits:

• $0 initial payment: TWIA will set up a special payment plan starting August 31, 2022, giving policyholders flexibility in paying premiums. A payment of $0 will provide coverage for the first three months, and afterward the premium will be due in equal monthly amounts.
• Additional time to apply: If customers apply for TWIA coverage by November 6, 2022, they will get coverage starting September 7 (the date when Weston policies will be canceled).
• Coverage even if a storm is approaching: Even if a storm is detected in the Gulf of Mexico, residents can still purchase a TWIA policy and be covered for wind and hail damage. A TWIA policy must be purchased by November 6, 2022.

Governor Abbott, TDI Announce Emergency Rule To Protect Weston Policyholders

• Emergency Governor Abbott hurricane Insurance
• At 8/23/2022 10:28:00 p.m.
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By WILLIAM NEUMAN and ELISABETH MALKIN OCT. 24, 2015

MEXICO CITY — Meteorologists called Hurricane Patricia one of the most ferocious ever seen in the Western Hemisphere, a monster bearing down with unprecedented energy on the Pacific coast of Mexico on Friday as residents and tourists evacuated or hunkered down in fear. But just hours later, the storm had passed over and, despite uprooted trees, landslides blocking some roads and the destruction of humble homes, there were no immediate reports of any deaths or damage to major infrastructure.

Experts said that the result was a combination of luck — the storm, for instance, passed between two cities but hit neither directly — and capable planning in a country that had learned from past disasters.

The Mexican authorities “learned some hard lessons” from botched or inadequate responses to earlier catastrophes, said Richard Olson, the director of the Extreme Events Institute at Florida International University in Miami. “It looks like they got this one right.”

Mexico now has a national emergency response system that reaches from the central government to the local level. “There was a strong learning curve and they put resources into it,” Mr. Olson said, although he said the system was not able to prevent deaths when separate storms hit the country’s Gulf and  Pacific coasts in the same week two years ago. With Hurricane Patricia, Mr. Olson said, Mexican authorities had done a good job of warning local residents, through announcements on radio and television and social media. He said they had also done good work in evacuating people ahead of the storm — a process that began before it quickly blew up into a Category 5 hurricane with winds measured at 200 miles per hour.

The authorities were then effective in moving some of those who remained in the area into shelters and persuading others to stay in their homes. In some cases, emergency management workers took to the streets with bullhorns to warn people of the coming storm.

“The important thing is that people responded,” Gerardo Ruiz Esparza, the secretary of communications and transportation, said in a televised news conference on Saturday. “If we hadn’t had that response, I’m sure we would be talking about other incidents.”

R. David Paulison, who took over the Federal Emergency Management Agency in the United States after the muchcriticized response to Hurricane Katrina, which wiped out parts of New Orleans in 2005, said, “It looks like they did a really good job of evacuating people.” He said that had been a critical failing in the Katrina response, “when evacuations did not take place and we had 1,800 people killed.”

After the storm, the Mexican authorities also moved quickly to clean up debris and clear highways of landslides or fallen trees.

Around midday on Saturday in Cihuatlán, a town in one of the hardesthit areas, government crews in orange vests were aided by local residents in removing fallen branches and trees. Others were sweeping the streets. Telephone workers were repairing damaged lines. An occasional convoy of soldiers drove by.

But for all the preparation, the results could have been much worse if the  storm had not lost force quickly once it hit land or if it had hit a city. Instead, it made landfall in a less populated area between the tourist destination of Puerto Vallarta and the port city of Manzanillo.

Mr. Ruiz Esparza said Mexico was lucky because the storm had changed course as it approached land. “Who can control that?” he said. “We have had hurricanes that parked themselves on a city, staying there an entire day, destroying it. Fortunately, that did not happen.”

And despite the huge spiral of thick white cloud shown from the International Space Station, the storm’s most violent winds were contained within a very small radius around a very small eye, said David Nolan, an atmospheric scientist at the University of Miami. So as the storm made landfall, only a small area was affected by the strongest winds, those that classified Patricia as a great threat.

“The area of the high winds was unusually small,” Mr. Nolan said.

In contrast, the high winds in both Katrina and Hurricane Sandy were felt across large areas.

But in the end, it is not the wind that typically inflicts the most damage in a hurricane, said Jeff Weber of the University Corporation for Atmospheric Research in Boulder, Colo. It is the storm surge, the huge wall of water that rises as the storm churns toward land, pushing the sea before it.

Patricia soared in strength over a very short period and only when it was fairly close to land.

“It was born so quickly and so close that it didn’t really have time to build up the storm surge,” Mr. Weber said.

Mexico’s Pacific coast also has a topography that quickly breaks up hurricanes. The mountains that rise dramatically above the coast are accompanied by dry air that quickly saps force from humid hurricanes. “Once  

it came onshore, it really shut down very quickly,” Mr. Weber said. At the same time, however, when a hurricane slams into the mountains, it can produce more rain, which raises the possibility of mudslides. The effective evacuation of people from those highrisk areas to shelters reduced the threat to human life. Still, experts cautioned that heavy rains could still cause flooding or landslides and that parts of Mexico were not out of danger. “In this business, you always look for the places that are silent, the places you haven’t heard from,” Mr. Olson said. Luis Felipe Puente, the director of Mexico’s civil protection agency, marveled at how the coastal mountains helped protect the area from greater damage. “This isn’t in the hands of man,” he said. “It’s in the hands of nature.” But Roberto Sandoval, governor of Nayarit State, said it was more than mere nature. “I could say it was our civil protection agency, our organization and protocol, our security, and we did all those things,” he said in a telephone interview. “But this was a work of God.” Mr. Sandoval added: “God did not want Mexico to have more poverty and backwardness. Today we are lifting our faces and saying thank you to God.” William Neuman and Elisabeth Malkin reported from Mexico City. Azam Ahmed contributed reporting from Cihuatlán, Mexico, Paulina Villegas from Barra de Navidad, Mexico, and Frances Robles from Miami. A version of this article appears in print on October 25, 2015, on page A15 of the New York edition with the headline: Lessons of Past Disasters Help Mexico Sidestep the Brunt of a Hurricane.  26/10/2015 Lessons of Past Disasters Helped Mexico Sidestep the Brunt of a Hurricane The New York Times © 2015 The New York Times Company

Lessons of Past Disasters Helped Mexico Sidestep the Brunt of a Hurricane

• Destruction Disaster Emergency Hurricane Patricia Mexico News
• At 10/27/2015 05:35:00 a.m.
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