What SOLA covers
SOLA describes a separate wind and hail policy for homeowners. It is designed to work alongside home insurance and help with costs such as a high wind or hail deductible or a depreciated roof payout. It does not replace the home policy. SOLA lists Texas for its Wind/Hail E&S policy; a particular home still needs underwriting approval.
SOLA says qualifying damage can include storm-created leaks, holes, and broken windows after hail, strong wind, or a tornado. It says maintenance, wear, neglect, and purely cosmetic damage are excluded. An issued policy controls the actual coverage.
Will’s video
Who should look at it?
It may be worth a closer look if your home policy has a large percentage-based wind or hail deductible, or if your roof is covered at actual cash value. Compare SOLA’s limit and premium with the gap in your current policy.
What stands out
- Separate coverage can address a specific storm expense.
- SOLA says its claims use photos and verified weather data.
- A claim can be made without first filing on the home policy, according to SOLA.
What to check
- Check the coverage effective date and any waiting period in the policy documents.
- The payout has a limit; confirm the limit against your exposure.
- Cosmetic damage and wear are excluded in SOLA’s published explanation.
How it compares
A home policy is the main protection for the house. SOLA is a separate, narrower policy aimed at qualifying wind and hail damage. A deductible buyback or a different home policy may be another way to address the same out-of-pocket gap. Compare the written triggers, limits, exclusions, coverage start date, and total annual cost before choosing.
We can review your roof settlement terms and wind or hail deductible, then help you decide whether supplemental coverage is useful.
Common questions
Does SOLA replace homeowners insurance?
No. SOLA says its wind and hail policy is separate coverage meant to work alongside a homeowners policy.
What damage does SOLA cover?
SOLA describes structural damage from a qualifying hail, strong wind, or tornado event. Maintenance, wear, neglect, and cosmetic damage are outside the coverage described in its guide.
How does a SOLA claim work?
SOLA asks for a description and photos of damage, then checks weather data for the insured location. Payment depends on the issued policy and claim review.
Sources
SOLA’s public descriptions were checked September 24, 2026. Coverage depends on the issued policy.