WIND AND HAIL COVERAGE
Protect Your Deductible with Sola Wind & Hail Coverage
A smarter safety net for homeowners
If you live in Kansas City, wind and hail deductible insurance can protect your budget when severe storms strike. These storms are common here, so we’re proud to offer a solution that protects your budget.
That’s where our new partner, Sola, comes in.
We’re excited to offer a supplemental wind and hail insurance policy designed to cover high out-of-pocket costs like your home insurance wind/hail deductible, without the delays or claim surcharges that often come with traditional claims.
How It Works
Sola’s Wind & Hail Coverage pays you a flat benefit based on storm severity, which means you can act quickly. You can use the money to cover your deductible, make urgent repairs, or recover faster. In other words, you don’t have to wait for inspections or claims adjusters.
- No adjusters, no hassle
- Fast payouts based on NOAA data
- No impact on your home insurance premiums
- No deductible required on this policy
Real-Life Scenarios: How This Coverage Helps
Scenario 1: Reducing Your Wind/Hail Deductible
Scenario 2: Planning Ahead for Storm Season
Scenario 3: Avoiding a Homeowners Insurance Claim
This Policy Works With Your Home Insurance — Not Instead of It
Sola is not a replacement for homeowners insurance. Instead, it’s designed to work alongside it to lower your out-of-pocket costs. Additionally, this policy helps you avoid claim-related premium increases.
Here’s what it doesn’t cover:
- Fire, theft, liability, or flooding
- Cosmetic-only damage
- Hurricanes or unverified storms
- Automatic payouts (instead, you must verify damage via simple forms)
Simply put, think of this as a fast, fixed, financial cushion and not a full homeowners policy.
Smart Strategy: Save More, Stay Covered
For example, if you save $500/year by raising your deductible to $10,000, a Sola policy could cost just $300, keeping your out-of-pocket risk low while saving you money overall.
Why This Matters in Kansas City
Kansas City ranks among the top U.S. cities for wind and hail claims. With that in mind, spring hail and summer straight-line winds make it not a matter of if, but when.
- Average 5–15 hail days per year
- Frequent tornado and wind events
- Homeowners here often face $5,000–$10,000 deductibles
Wind and hail deductible insurance gives you a simple way to be storm-ready without the financial stress.
Sola vs. Traditional Homeowners Insurance
| Feature | Sola Wind & Hail | Homeowners Insurance |
|---|---|---|
| Covers fire, theft, liability | No | Yes |
| Covers wind, hail & tornado | Yes | Yes |
| Deductible required | No | Yes |
| Adjuster needed | No | Yes |
| Impacts insurance premiums | No | Yes |
| Pays fixed benefit based on storm severity | Yes | No (Varies) |
| Uses NOAA data to verify events | Yes | No |
| Quick payouts | Yes | No (Can take weeks) |
Resources:
NOAA Storm Events Database
Sola Insurance
Related Info:
Jewelry Insurance
Auto Insurance
Travel Insurance
Frequently Asked Questions
No. This is a supplemental policy that helps you cover deductibles and repair costs from specific storm events.
No. Sola pays the full amount of your selected limit—no deductible required.
Not at all. Claims through Sola are separate and don’t appear on your home insurance record.
If a verified event occurs and your home is damaged, you submit two simple forms. Once confirmed, Sola pays you directly.
Yes, coverage begins 5 days after purchase.