For our Wind/Hail policy, the payouts are based on the intensity of the event. We measure the intensity of the events by analysing storm data from the National Weather Service.Overview
The National Weather Service provides the foundational data that all
companies relying on weather information use. It is a critical and reliable
source for public safety and warning information.
We use photo evidence to determine if a claim is valid. After providing
proof of damage in the form of photo evidence, our team verifies the data to
determine the storm’s intensity and the amount to be paid out.
Payouts are based on the policy limit and the intensity of the storm. This means that the policy limit chosen for your client’s policy will affect the maximum value they can get after a damaging wind, hail, or tornado event.How Payouts Work
When you obtain a policy for one of your clients, it’s essential first to
understand their needs, which will inform you of the appropriate policy
limit to set for them. This can be the cost of their wind/hail deductibles,
or in the case of ACV coverage, the cost to replace their roof.
In the table below, you will find the amount paid per wind or tornado event intensity for a $25,000 policy limit.Payout Table (Wind and Tornado)
Policy Limits go from 25,000.
| Wind Speed / Tornado Category | Payout |
|---|---|
| 86-110 MPH and EF0-EF1 | $3,000 |
| 111-135 MPH and EF2 | $5,000 |
| 136-165 MPH and EF3 | $10,000 |
| 166-199 MPH and EF4 | $15,000 |
| 200+ MPH and EF5 | $25,000 |
For hail damage, the payout is always the amount defined in the policy limit. Meaning that if you have a valid hail claim, you receive the maximum amount based on your policy. Example: If I have a $9,000 policy limit, my payout for a valid hail claim will also be $9,000. To determine a valid hail claim, we use a Hail Score The Hail Score is determined using official National Weather Service data, which measures both the size of the hail and the duration of the storm’s impact. When a storm reaches a 65% Hail Score, it means it was significant enough to qualify your policy for a payout. Like any other claims with Sola, you need to have proof of damage to the insured structure in the form of photo evidence. This approach combines verified weather data with real-world evidence of damage, ensuring claims are processed quickly, fairly, and based on clear, objective evidence.Hail Payout
Our policy is designed to help when a severe hail event causes real damage
to your structure. It’s not a maintenance plan and doesn’t apply to wear and
tear, routine upkeep, or purely cosmetic damage.
Learn more about the property damage coverage
Clients will receive payouts through direct deposit. Funds are deposited directly into the client’s bank account. Payout timelines can vary depending on the policyholder’s response time.More Payout Information