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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.
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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 claims history or insurance premiums.
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​This makes it an affordable, stress-free solution that protects homeowners during storms.

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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 DeductibleACV Payouts
For a 2% deductible on a $300,000 home, the deductible would be $6,000.
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With a Sola Wind/Hail Policy, the homeowner can choose a Policy Limit that matches this deductible amount, meaning that if the structure is damaged by a wind or hail event, Sola can pay up to $6,000 to help cover that out-of-pocket cost.		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.
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Now, if the same roof has a deductible of $3,000. The total value to be discounted from the payout = $9,000.
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With a Sola Wind/Hail Policy, a homeowner can choose a Policy Limit that matches both the deductible and the depreciation; in this case, Sola would pay up to $9,000 to help cover the out-of-pocket cost.
Policy limits can go from $2,000 to $25,000.

Learn more about policy limits

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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 claims history or affect premiums and 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:
  1. Photos of the Damage
  2. Type of Weather Event (If it’s a tornado, wind, or hail)
  3. Date of Event
  4. 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.

Learn more about claims and payouts

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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.
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.
  1. Broken Windows Breakage or cracking of windows that occurs directly because of a covered event, such as:
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.

Learn about our claims process

How Wind/Hail payouts work