Frequently asked questions
We’ve got your questions covered.
This policy helps cover your home insurance's wind/hail deductible and related out-of-pocket costs.
Like all major carriers over the past decade, we use National Weather Service data to identify and pay wind/hail claims. Sola is the first carrier to use this data to avoid adjustors, reducing costs for our customers and providing an easier claims experience.
When wind, hail, or tornado damage occurs, proof is submitted, and Sola reviews the storm data alongside the provided details.
Payouts are issued based on the intensity of the event and the coverage selected.
No, our policy does not have a deductible.
- $0 deductible
No. A claim from Sola is not recorded and will not impact your home insurance premiums.
No, we will not non-renew a policy or increase the premium after a claim. Our policy cost is only based on your home's risk, not your personal details or whether or not you filed a claim.
This means we will not penalize you for getting the coverage you paid for.
You can pay monthly or annually through a bank account or credit card. A discount is offered for full-year payments.
Yes, after purchasing the policy, there is a five-day waiting period from the purchase date before you are eligible for a payout unless the policy start date is more than five days out.
- 5-day waiting period
We are fully reinsured through A rated reinsurance carriers out of Lloyd's of London.
- A-rated reinsurance
This policy is available for site-built homes, mobile and manufactured homes, landlord properties, vacation homes, and multiple properties.
We also accept policies for farms and vacant homes.
Each policy must be issued in the name of an individual.
No, the policy cannot be written in the name of an LLC or corporation.
Our Wind/Hail Policy is available in:
- Arkansas
- Colorado
- Georgia
- Indiana
- Iowa
- Kansas
- Kentucky
- Missouri
- Ohio
- Oklahoma
- Tennessee
- Texas
No. Our policy is a standalone product and does not require policyholders to file a claim with their home insurance.
In some cases, it can help them avoid filing a claim altogether after a wind or hail event.
You can reach out to your agent and request a coverage limit increase or an upgrade in your policy from Tornado-only coverage to a Wind/Hail coverage policy.
Click on the chat box icon at the bottom right corner of the screen. Send us your Sola policy number and request a link to update your payment method. Within minutes, a Sola team member will send over the link to update your payment method on file.
Click on the chat box icon at the bottom right corner of the screen. Send us your Sola policy number and request to update your address. A Sola team member will advise on next steps.
Do I need to be the client's home insurance agent?
No, you don't. Sola's Wind & Hail policy is a great way to build new relationships and start conversations with potential clients, even if you didn't sell them their homeowners policy. It's an easy entry point to provide value and grow your book of business.
How do I get appointed with Sola?
Click the Partners link at the top of the page, then select Become a Partner and follow the instructions.
Which states is Sola currently available in?
For our Wind/Hail Policy, we are available in:
- Arkansas
- Colorado
- Georgia
- Indiana
- Iowa
- Kansas
- Kentucky
- Missouri
- Ohio
- Oklahoma
- Tennessee
- Texas
Do homeowners need to file a claim with their home insurance first?
No. Our policy is a standalone product and does not require homeowners to file a claim with their home insurance.
Are there underwriting or inspection requirements?
No inspections are required. Our quoting process handles the typical legwork, making it quick and seamless. However, there are a few underwriting guidelines to note:
Policies can be written for mobile homes, manufactured homes, landlords, vacation homes, multiple properties, farms, and vacant homes.
Each policy must be in the name of an individual. We do not write policies for LLCs or corporations.
Is there a minimum production requirement to stay appointed?
Yes. Sola sets quarterly production goals for each appointed agency to maintain their appointment status.
Does Sola offer co-branded marketing materials or sales support?
Yes. From the start of the agency appointment, Sola provides dedicated sales support to help you succeed. After a 90-day trial period, agencies that meet their production goals also gain access to exclusive co-branded marketing materials.
Still have questions?
