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Coverage is subject to underwriting approval and product availability varies by state. Nothing on this site constitutes a binder of insurance or a guarantee of coverage. Coverage is provided only under the terms, conditions, exclusions, and limits of an issued policy.

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September 11, 2026

What is an Insurance Peril?

Learn about how the perils that can damage your home are defined and which ones are covered by home insurance.

A large windstorm, indicated by dark clouds, moves over a Texas highway.

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A large windstorm, indicated by dark clouds, moves over a Texas highway.

What is an Insurance Peril?

A small house on a quiet street in Nebraska has a black cat sitting on the sidewalk out front.

How is Wind/Hail Insurance Different in Nebraska?

A roofer stands on the roof of a home, looking at wind storm damage and missing shingles.

Roof Warranties Explained: What's Covered, What's Not

A two-story home in Missouri with an asphalt shingled roof.

What Does Hail Insurance Cost in Missouri?

A suburban home sitting among trees, under a dusky evening sky.

Home Insurance Basic Terms to Know

A tree-lined residential street in Missouri, lined with houses.

Do I Need Wind and Hail Insurance in Missouri?

A modern office building, a type of commercial real estate, with trees outside and clouds overhead.

What Does Commercial Property Insurance Cover?

A farmhouse with a barn and several other outbuildings all sit in the middle of a field in Iowa.

Hail Season in Iowa: What do I Need to Know?

A wind storm damaged house has been hit by a tree and is missing shingles.

What is Wind Insurance or Windstorm Insurance?

A two-story white house sits on a large green lot between two trees.

Wind and Hail Insurance: What to Know

A mother and child are seated on a sofa, safe at home.

Can I Avoid Paying My Home Insurance Deductible?

A small home sits under dusky, cloudy sky. There are two trees behind the house.

What is Parametric Insurance?

A small business owner's home office, including a small desk with a computer and two chairs.

Does Wind and Hail Insurance Cover My Home Business?

The shingled roofs of two homes, next door to each other, with a cloudy sky overhead.

Does Home Insurance Cover Hail Damage?

A professional roofer walks on the roof of the house, inspecting for wind or hail damage.

Can I Get No-Deductible Repairs for my Hail-Damaged Roof?

A two-story condominium home building with a white metal staircase.

How is My Condo Protected from Wind and Hail Damage?

A man sits on his sofa at home, comfortable, considering his home insurance costs.

How Do Home Insurance Claims Affect My Costs?

A five-star review for Sola Insurance from a member named Sarah who notes how quickly her claim was handled.

All About the Sola Wind and Hail Insurance Claims Process

Storm clouds hang over the arch in St. Louis, Missouri.

Missouri Thunderstorms and Tornadoes: How do I Prepare?

A home insurance policy including wind and hail coverage ready to sign on a desk.

Is Wind and Hail Coverage Included with Your Home Insurance?

An older home's roof, missing shingles and damaged by wind and hail storms

How to Get Replacement Cost (RCV) Coverage for Your Roof in 2026

A windstorm damaged home in Texas

Is Wind and Hail Insurance Required in Texas?

A house in Oklahoma that was damaged by wind and hail getting roof repairs

Do I Need Wind and Hail Insurance in Oklahoma?

An insurance agent shakes hands with an unseen partner in agreement

What kind of partnerships does Sola Insurance offer?

A homeowner's shingled roof displaying minor hail damage marked with chalk

Why Are Wind and Hail Deductibles Rising?

An insurance claim form for a homeowners policy

What's Required to File a Home Insurance Claim?

a family of American bison faces cold weather and wind, taking the storm head on.

Sola and the American Bison

a roofer installs new shingles on the roof of a house

Does My State Offer Wind and Hail Assistance?

A wind and hail damaged roof is missing most of the shingles on one side.

How Does Sola Wind and Hail Insurance Pay Claims?

An insurance agent shakes the hand of a client after finalizing a wind and hail insurance policy

What's a Deductible Buyback?

File folders containing CLUE Reports are stacked on a wooden table

What is a CLUE Report?

A person's hands are seen from above, signing a wind insurance policy

What's an Insurance Deductible?

roofers work to replace missing shingles on top of a home with roof damage

How Much Wind and Hail Insurance Should I Have?