KANSAS CITY HOMEOWNERS
Keep Your Home Insurance. Get Help With the High Deductible.
A high wind and hail deductible does not mean you have to replace your homeowners insurance.
Sola is separate coverage designed to work alongside the home policy you already have. If a qualifying storm occurs, it can provide cash to help cover your wind and hail deductible and other storm-related expenses.
How It Works
What Happens When a Storm Hits
No adjuster visit. No inspection. No changes to your homeowners policy.
Storm Happens
National Weather Service data automatically confirms the event. No adjuster, no inspection, no photos required on your end.
You File with Sola
The process takes only a few minutes. Filing with Sola is separate from filing a homeowners insurance claim.
You Get Paid
Once the claim is approved, the payout is sent directly to you.
Know Your Numbers
How Much Would You Actually Owe After a Storm?
Wind and hail deductibles are often much higher than the deductible that applies to other types of home claims.
For example:
2% deductible on a home insured for $350,000
= $7,000 out of pocket
Your homeowners policy can still cover the damage above the deductible. Sola provides a separate cash payment that can help you handle the amount your home policy expects you to pay.
You do not have to change your current homeowners insurance to add this protection.
Not sure how high your deductible is? Check your declarations page or call your insurance agent. Look for a separate wind, hail, or named-storm deductible.
Common Questions
Frequently Asked Questions
What is a wind & hail deductible?
A separate deductible that applies only to wind and hail damage. Many carriers have quietly switched homeowners from flat amounts like $1,000 or $2,500 to a percentage of their home’s insured value. On a $350,000 home, 2% means $7,000 out of pocket.
How do I find out what my deductible is?
Check your declarations page. Look for a line that says “wind & hail deductible.” If it shows a percentage instead of a dollar amount, call your agent. It may be higher than you expect.
Will this affect my homeowners insurance rates?
No. Sola claims are never reported to CLUE, the national database insurers use to check your claims history when setting your rates. Filing with Sola won’t appear on your record or affect your premiums.
What storms qualify for a payout?
Hail, straight-line winds, and tornadoes. Storm activity is verified using National Weather Service data. No adjuster visit or homeowners claim required.
Is there a waiting period?
Only if you start coverage today. Choose a start date 5 or more days out and there is no waiting period.
Your Home Policy Covers the House. This Helps Cover Your Share.
Get your quote in under 2 minutes. No phone call required.
Serving Kansas City homeowners with independent coverage options. Coverage must be active prior to a qualifying storm event. A 5-day waiting period applies.