Overview
The Wind/Hail policy from Sola is supplemental coverage designed to protect homeowners from the financial impact of severe weather, including hail, strong winds, and tornadoes.
It fills the gaps left by standard homeowners’ insurance, covering out-of-pocket expenses such as deductibles or repairs, and providing payouts even for aging roofs that would receive Actual Cash Value (ACV) settlements.
Using verified weather data rather than traditional adjusters, the policy provides fast and reliable payments for structural damage (such as leaks, holes, and broken windows) without affecting the homeowner’s claim report or insurance premiums.
This makes it an affordable, stress-free solution that protects homeowners during storms.
Real-Life Application
Here are two examples of situations where the Wind/Hail policy would help your customer:
If a homeowner has a 2% wind/hail deductible for a $300,000 home, their deductible for damages related to this weather event will be $6,000.
If a homeowner has a policy with ACV payouts (also known as scheduled roof payouts), their payout will be affected in two ways:
The roof depreciation will be deducted from the payout, meaning that if the roof is older, the depreciation is higher, lowering the roof’s actual cash value.
After depreciation is applied, the homeowner’s deductible is subtracted from the remaining payout amount.
The Wind/Hail policy is a tool for you to protect homeowners from these situations. Let’s learn how the Wind/Hail policy is applied in the two previous examples.
Wind/Hail Percentage Deductible | ACV Payouts |
For a 2% wind/hail deductible on a $300,000 home, the deductible would be $6,000. | In the case of a roof valued at $20,000 that is 10 years old, with a 30% depreciation. The payout will be deducted by $6,000. |
ℹ️ Policy limits can go from $2,000 to $25,000.
Simple Claims and Payouts Structure
Sola is a standalone policy. Your clients don’t need to file a home insurance claim to start a Sola claim.
Claims aren’t reported to CLUE, so they never appear on the claims history and do not affect premiums or renewals.
Our claim process is objective, eliminating the need for adjustors and lengthy back-and-forth between customers and carriers.
The customer will share the following when filing a claim:
Photos of the Damage
Type of Weather Event (If it’s a tornado, wind, or hail)
Date of Event
Brief Description of the Event.
No adjustor will be sent out. We will evaluate the information submitted with the claim and analyze the weather data to eliminate any possibility of fraud.
After the weather data is analyzed and we have your proof of damage (the photos you sent when filing your claim), a payout will be issued based on the weather event.
Property Damage Coverage
Our coverage is designed to help when a severe weather event, such as hail, strong winds, or a tornado, causes real, structural damage to your property.
⚠️ Please note that this policy does not cover maintenance, wear and tear, neglect, or purely cosmetic issues. Minor dents, discoloration, or surface marks that don’t affect the structure or function of your home are not eligible for coverage.
Below are examples of damage that are covered when they are directly caused by one of the qualifying events (wind, hail, or tornado):
1. Leaks:
Water entering the interior of your home as a direct result of hail, wind, or another covered event. This includes water that forces its way inside through openings created by the storm.
2. Holes:
Sudden, unintended openings in your roof, walls, or other structural parts of the home caused by the strength of the storm.
Examples |
Damage caused by a falling tree or debris, when the fall was directly caused by the storm. |
Shingles, tiles, or other roofing materials torn away by the storm, leaving openings that allow water to enter the structure. |
Penetrations or punctures in siding or exterior walls from wind-driven objects or hail during the event. |
Any other similar structural breaches that are clearly the result of storm forces. |
ℹ️ Holes or openings that occur for any reason other than storm-related damage, such as normal wear and tear, temporary roofing materials, neglect, or other causes not related to the storm, are not covered.
3. Broken Windows
Breakage or cracking of windows that occurs directly as a result of a covered event.
Examples |
The force of straight-line winds or a tornado, or from debris carried by those winds. |
Impact from hailstones during a hail event. |
Any similar damage caused by the force of hail, wind, or tornado activity as defined in your policy. |
Properties and Structure Types
Sola covers a wide range of property types with no inspections required. Our quoting process handles the typical legwork, making it quick and seamless. However, a few underwriting guidelines apply:
Each policy must be in the name of an individual. We do not write policies for LLCs or corporations.
Both the Wind/Hail and Tornado-Only products provide coverage per structure. This means that if a policyholder wants protection for a detached garage, for example, a separate policy is required.
Covered Structure Types Include:
Residential – Standard single-family homes and duplexes.
Commercial – Businesses, office spaces, and commercial buildings.
Short-term rentals – Vacation homes or properties listed on platforms like Airbnb.
Long-term rentals – Residential properties leased to tenants for extended periods.
Vacant properties – Unoccupied homes or buildings, including those awaiting sale or lease.
Farms – Agricultural properties, including barns and farmhouses.
HOAs – Homes within homeowners’ associations with shared amenities.
Apartments – Multi-unit residential buildings, including condos and flats.
Churches – Religious properties and associated structures.
Retirement homes – Senior living communities and assisted-living facilities.
Tiny homes – Compact, standalone residences, often mobile or modular.
Manufactured homes – Prefabricated or modular homes, including mobile homes.
💡 If you’re unsure whether a structure qualifies for coverage, you can send a photo, and our underwriting team will promptly confirm eligibility.