WIND AND HAIL COVERAGE
What Can Sola Commercial Coverage Help With?
Help Cover a High Wind/Hail Deductible
Let’s say your commercial property policy has a $25,000 wind and hail deductible.
Rather than accepting the entire $25,000 as an out-of-pocket exposure, you may be able to purchase Sola coverage to help offset that cost if qualifying storm damage occurs.
Sola specifically designed its commercial coverage to help property owners offset commercial wind/hail deductibles.
Help With Depreciation
Deductibles aren’t always the only gap.
Depending on how your commercial property policy settles a roof loss, depreciation or an underinsured roof can leave you responsible for additional repair or replacement costs.
A Sola payout can provide additional funds that can be used toward those costs.
Consider a Higher Property Deductible
Sometimes the deductible itself can become part of the insurance strategy.
If increasing the wind/hail deductible on your commercial property policy produces worthwhile premium savings, Sola may give you a way to accept the higher deductible without simply leaving the entire difference exposed.
In other words: take the premium savings where they make sense, but have a plan for the deductible. Sola specifically identifies this as one of the intended uses of its commercial product.
How Commercial Wind & Hail Claims Work
1. Document the Damage
After a qualifying wind or hail event, you’ll need a roofing inspection report with photos documenting the damage.
Sola does not cover cosmetic-only damage. The inspection and photographs are used to establish that the property sustained damage requiring repair.
2. File Your Claim
You’ll provide information about the weather event, the date it occurred, and a description of the damage.
The claim can be started online through Sola or with assistance from a Sola representative.
3. Sola Verifies the Storm
Sola uses National Weather Service data to confirm storm activity in the area at the reported time.
They also provide the weather data used to verify the claim once the review is complete.
4. Approved Funds Are Paid Directly
Once the claim is approved, funds are deposited directly into your bank account.
Approved payouts are typically received within five business days after claim approval.
What Kind of Storm Damage Can Qualify?
Commercial coverage isn’t limited to the roof itself.
Qualifying damage may include:
- Roof damage from wind or hail
- Broken or cracked windows
- Siding damage from the storm
- Rooftop HVAC and heating/cooling equipment
- Interior water intrusion or leaks
Cosmetic-only damage does not qualify.
Built to Work Alongside Your Commercial Property Insurance
Commercial coverage isn’t limited to the roof itself.
Qualifying damage may include:
- Roof damage from wind or hail
- Broken or cracked windows
- Siding damage from the storm
- Rooftop HVAC and heating/cooling equipment
- Interior water intrusion or leaks
Cosmetic-only damage does not qualify.
This Policy Works With Your Home Insurance — Not Instead of It
Sola isn’t meant to replace your commercial property policy.
Your property coverage is still doing the heavy lifting for the building and the many exposures a complete commercial insurance policy is designed to insure.
Think of Sola as another layer of financial protection specifically for wind and hail.
It can help you plan for the part traditional property insurance may leave sitting in your lap:
the deductible, depreciation, and immediate cash needed to start recovering after a storm.
There is no deductible on the Sola commercial policy and no adjuster visit required through Sola.
A Few Ways Businesses Can Use It
The $25,000 Deductible
Your commercial building has a $25,000 wind/hail deductible.
A severe hailstorm causes qualifying roof damage. Instead of having to fund the entire deductible from operating cash, your Sola coverage can provide funds to help offset that expense.
The Aging Roof
Your building suffers qualifying hail damage, but depreciation on the roof creates a gap between the property claim and what it actually costs to complete the work.
Your Sola payout gives you additional money that can be used toward replacement costs.
The Deductible Strategy
Your property carrier offers meaningful premium savings if you increase your wind/hail deductible.
Rather than automatically rejecting the higher deductible, we can look at the numbers and determine whether pairing the property policy with Sola creates a better overall insurance strategy.
That last example is one I particularly like for your site because it shows why somebody would intentionally buy this product, rather than making the page sound like we’re selling another policy just because it exists.
Why This Matters for Kansas City Businesses
Wind and hail aren’t unusual exposures around Kansas City.
For a homeowner, a storm can mean a major unexpected household expense.
For a business or commercial property owner, the same storm can create a much bigger problem: a large deductible, repair expenses, damaged building systems, and pressure to get the property operational again.
That’s why I look at commercial wind and hail coverage as more than just “deductible insurance.”
It’s a way to decide before the storm how much wind and hail risk you’re actually comfortable keeping.
Frequently Asked Questions
No. Sola Commercial Wind & Hail Insurance is designed to complement your commercial property coverage, not replace it.
Sola’s commercial materials have available coverage limits from $5,000 to $250,000.
No. Sola’s commercial coverage does not have a deductible.
No. Cosmetic-only damage does not qualify. The inspection needs to document damage that affects the building and requires repair.