Exhibit 99.1






                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In  connection  with the  Annual  Report  for the  Triad  Guaranty  Inc.  401(k)
Profit-Sharing  Plan ("the Plan") on Form 11-K for the period ended December 31,
2002 as filed with the  Securities  and Exchange  Commission  on the date hereof
("the Report"),  I, Earl F. Wall, as plan  administrator for the Plan,  certify,
pursuant to 18 U.S.C.  Section 1350,  as adopted  pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 that:

     (1)  The Report fully  complies with the  requirements  of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The  information  contained  in  the  Report  fairly  presents, in all
          material  respects,  the net assets available for benefits and changes
          in the net assets available for benefits of the Plan.


/s/ Earl F. Wall
- -------------------
Earl F. Wall
Senior Vice President,
Secretary, General Counsel,&
Plan Administrator



June 26, 2003