Understanding the Value of Sola Wind/Hail Coverage
Most homeowners have significant out-of-pocket exposure to wind and hail deductibles. A Sola policy fills this gap and quickly protects the homeowner without affecting their claims history.
Core Value Propositions:
Covers deductibles, depreciation gaps, ACV losses, and other out-of-pocket expenses |
Helps customers avoid filing a homeowners' claim |
Backed 100% by AM Best A-rated reinsurance carriers out of Lloyd’s of London. |
Up to two payouts per policy term. |
No impact on homeowners' premiums or renewals. |
No CLUE reporting. |
No receipts, contractor quotes, or proof of repair required. |
Pays within approximately 7–10 days after a qualifying storm via direct deposit. |
How to Position Sola When Selling
A. The Deductible Strategy
Recommend increasing the homeowner’s wind/hail deductible (for example, from 1% to 2%) to generate premium savings. Apply those savings to a Sola policy. In many cases, this improves coverage and reduces total cost.
B. The “Protect Your Claims History” Strategy
Sola claims are not reported to CLUE, will not affect premiums, and will not impact eligibility at renewal. This is ideal for clients trying to avoid a negative claims history.
C. The “Quick Relief” Strategy
Sola offers fast, fixed payments without months of adjuster delays, inspections, or depreciation issues.
D. The “Gap Filler” Strategy
Perfect for customers with ACV roof coverage, a depreciated roof, scheduled roof payouts, high deductibles, exclusions, or partial coverage. Sola fills the financial gap.
E. The "Protection Against High Wind/Hail Deductible Strategy
If a homeowner’s wind/hail deductible is calculated as a percentage of their home’s value, you can offer Sola as an option to cover the large deductible they’d otherwise be responsible for during a wind or hail event.
What Properties and Structures Sola Covers
• Residential
• Commercial
• Short-term rentals
• Long-term rentals
• Vacant properties
• Farms
• HOAs
• Apartments
• Churches
• Retirement homes
• Tiny homes
• Manufactured homes
• Many others (Check with your Sola Territory Representative)
❗️Each policy must be in the name of an individual. We do not write policies for LLCs or corporations.
💡 If you’re unsure whether a structure qualifies for coverage, you can send a photo, and our underwriting team will promptly confirm eligibility.
Why Agents Use Sola to Grow Their Book
Retain Customers | Helps keep clients with high deductibles. |
Create New Business | Offers opportunities without requiring the homeowner's policy. |
Simplified Service | Sola manages the claims process, making it easier for both agents and clients. |
Increased Satisfaction | Sola leads to happier clients and more referrals. |
Cross-Sell Opportunities | Great for renewals and new client conversations. |
Wide Agency Network | Thousands of partnered agencies across multiple states. |
Growing Demand | Thousands more agencies are on the waitlist. |
Sustainable Coverage | County-level limits ensure long-term reliability. |
Financial Strength and Long-Term Stability
How Sola Remains Sustainable:
Strict County Limits | Avoid concentrated risk. |
Data-driven Pricing | Based on over 40 years of ZIP-level hail and wind data. |
Balanced Portfolio | Diversified across many different states throughout the Midwest and Southeast. |
Strong Policy Backing | All policies are written on A-rated paper. |
Lloyd’s of London Coverholder Authority | Reflects confidence in our underwriting model.
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Quick Pitch Guide
Example of an "elevator pitch" for a homeowner:
“Many homeowners face thousands of dollars in exposure from wind and hail. Sola provides fast protection when a qualifying storm occurs, without impacting your insurance or claims history. It’s an easy way to cover your deductible and can often save money when paired with a higher Wind/Hail deductible.”
Common Objections and Responses
“I already have homeowners' insurance.”
Response: Sola doesn’t replace your homeowners' policy. It covers the deductible and out-of-pocket costs your homeowners policy leaves behind.
“This sounds too good to be true. How do they pay so fast?”
Response: Sola uses objective NWS/NOAA weather data combined with simple photo evidence. There is no adjuster delay, and they are fully reinsured by A-rated carriers out of Lloyd’s of London.
“Will this affect my homeowners' premiums?”
Response: No. Sola claims are never reported to CLUE and do not affect homeowners' premiums or renewals.
“I haven’t had hail in years.”
Response: Hail is very unpredictable. Severe events often follow long, quiet periods. Sola's pricing is based on decades of ZIP-level historical data.
“My deductible isn’t that high.”
Response: A 1% deductible is often $3,000–$5,000 or more. Modern roofs typically cost between $15,000 and $30,000. Sola can fully cover that exposure.
“What if a storm hits but doesn’t trigger the data?”
Response: Sola uses a 65% hail score threshold, which filters out minor, non-damaging events while still triggering for significant hail. Tornadoes and high-wind events also trigger coverage. This data is used to prevent fraudulent claims, not to deny legitimate payouts to homeowners.
“Is filing a claim difficult?”
Response: No. Claims can be filed in minutes online or through an agent with basic photos. Payout is usually received within about a week.
“Why is there a waiting period?”
Response: All severe weather policies include a brief waiting period to prevent purchases immediately before a known storm.
“This product is new. How do I know it’s legitimate?”
Response: Sola is backed by AM Best A-rated reinsurance carriers from Lloyd’s of London, the world’s oldest and leading marketplace for specialized insurance. Thousands of agents already rely on Sola because it’s built on decades of verified weather data. We use long-term hail history, continuously updated meteorological data, and ongoing third-party validation to ensure our pricing is accurate and our coverage is consistently reliable.
“It seems expensive.”
Response: One qualifying event can return ten to twenty times the annual premium. Often, the homeowner’s deductible can be increased to fully cover the Sola policy.
Agent Sales Scripts
Renewal Script |
“Your wind/hail deductible puts you at risk for several thousand dollars out of pocket. Sola pays you a quick, fixed amount after a qualifying storm without involving your homeowners' insurance. We can even adjust your homeowners' deductible to cover the cost of Sola and often save money.”
New Business Script |
“Before finalizing your homeowners policy, I want to address your wind and hail exposure. Sola protects your deductible and pays rapidly after major weather events without affecting your premiums.”
Cross-Sell Script |
“I don’t need to handle your homeowners' policy to help you here. Sola is a standalone solution that gives you fast financial protection after a storm with no impact on your insurance history.”