Standalone, not a buyback.

A traditional wind and hail buyback is an endorsement, which is an amendment to your insurance policy. It lowers your wind and hail deductible by buying it down to a fixed dollar amount, usually $2,500. A buyback is tied to your homeowners policy, so you buy and renew them together. You can only file a claim with the buyback if you file a claim on your primary policy first.

That works fine if your only goal is to lower your deductible. But it has real limits.

1. 01Sola isn't tied to your homeowners renewal. You can buy a Sola policy today, regardless of when your homeowners policy renews next. They're independent, with their own terms and dates.
2. 02Sola doesn't require a claim with your primary carrier. If you have a roof on an ACV payout schedule and a small storm causes damage, you can file a claim with Sola and leave your homeowners policy untouched. That keeps your loss history clean.
3. 03Sola covers more. Most buybacks are limited to buying you down to a $2,500 deductible. Sola Insurance can cover limits from $2,000 to $25,000, so a $20,000 deductible on a high-value home is fully covered. That's something a buyback can't offer.

If your wind and hail deductible is $2,500 to $5,000 and you're happy with the carrier you have, a traditional buyback might be all you need.

But if your deductible is $10,000 or higher, if your roof is older and on ACV, if you want the option to file a claim without touching your primary insurance, or if you want a policy that isn't tied to your homeowners renewal, Sola is a smart option.