Weather Data Driven
First carrier to use National Weather Service data for claims. If qualifying weather hits your address, you get paid - no adjusters, no inspections required.
No Deductible
Unlike your home insurance, this policy has NO deductible. The full coverage amount pays when wind or hail meets the weather thresholds.
No Rate Increases
File unlimited claims with no impact on your rates. Claims aren't reported to CLUE and won't affect your home insurance either.
How It Works
Simple, fast, and transparent - pay out in 48 hours of verifiable wind and hail
Wind or Hail
Must have sustained winds over 45 MPH or Hail greater than 1" documented at your property address
Submit Claim
File a simple online claim through the Sola portal within 365 days of the weather event
Weather Verified
Sola confirms the weather event using National Weather Service data - no adjusters or inspections needed
Fast Payout
Receive your coverage amount within 48 hours of verification to help pay your home insurance deductible
Why Choose Wind & Hail Deductible Insurance
Fast Settlement
Get paid in 48 hours based on weather data. No waiting months for adjusters, inspections, or claim settlements.
Transparent Process
Claims are based on objective National Weather Service data at your specific property address. No disputes or negotiations.
Protect Your Home-insurance
Claims don't affect your homeowner's insurance rates or CLUE report. Keep your record clean and premiums stable.
Lower Your Premiums
Raise your home insurance deductible to save on premiums, then use this coverage to protect against wind/hail events.
See Your Savings
Example: How raising your home insurance deductible + adding Sola coverage saves money
*Savings vary by policy. Limits available from $2,000 to $25,000
Wind & Hail Deductible Insurance Guide
What is Wind & Hail Deductible Insurance?
This revolutionary coverage helps pay your home insurance's wind/hail deductible and related out-of-pocket costs. When verifiable wind or hail hits your property, you receive a quick payout based on weather data - no adjusters, inspections, or lengthy claim process required.
Why Consider Wind & Hail Deductible Coverage?
- Rising Deductibles: Many home insurers now require high percentage-based wind/hail deductibles (2-5% of dwelling value)
- Fast Claims: Receive payment within 48 hours of verified weather event - much faster than traditional home insurance claims
- No Impact on Home Insurance: Claims aren't reported to CLUE and won't affect your homeowner's rates or insurability
- Save on Premiums: Lower your home insurance costs by raising your deductible, knowing you have Sola coverage for wind/hail
- Weather Data Technology: First carrier to use National Weather Service data for automated, objective claim decisions
Who Should Consider This Coverage?
- Homeowners with high percentage-based wind/hail deductibles (2%, 3%, 5% of dwelling value)
- Properties in wind or hail-prone areas (coastal regions, tornado alley, hail belt states)
- Anyone looking to reduce home insurance premiums by raising their deductible strategically
- Homeowners who want fast, transparent claim settlements without adjuster disputes
- Properties that insurers won't cover for wind/hail due to age or condition issues
How Does the Weather-Based Claim Process Work?
When a qualifying weather event occurs at your property address (sustained winds over 45 MPH or hail greater than 1 inch), simply file a claim through Sola's online portal. They verify the weather data through National Weather Service records and issue payment within 48 hours - no adjusters, inspections, or documentation of damage required.
Three Smart Ways to Use This Coverage
- High Deductible Protection: If you already have a high wind/hail deductible, this coverage helps pay it when storms strike
- Premium Savings Strategy: Raise your home insurance deductible to lower premiums, then buy this coverage to protect against wind/hail
- Older Roof Coverage: When insurers won't cover wind/hail damage on older roofs or offer scheduled payout, this provides protection
Coverage Details
- Coverage Amounts: Choose limits from $2,000 to $25,000 based on your needs
- No Deductible: This policy has NO deductible - full coverage amount pays when weather thresholds are met
- Unlimited Claims: File as many claims as needed with no rate increases
- Available States: Currently available in 12+ states including Ohio, with more states being added
- Claims Window: File claims within 365 days of the verified weather event
How Much Can You Save?
Our quote engine shows you the exact financial benefit in one simple proposal. Many homeowners save $400-$800 per year by raising their home insurance deductible and adding this specialized coverage. The exact savings depend on your property value, location, and current deductible structure.