Offset Your Colorado Wind and Hail Deductible Without Filing a Homeowners Claim
A data-triggered policy that pays you directly after qualifying storms. No adjusters. No deductible. No impact on your homeowners policy.
If your home is worth $600,000 and your wind & hail deductible is 2 percent, that is $12,000 out of pocket after a storm!
Many Colorado homeowners:
• Have roof depreciation
• Face rising premiums
• Avoid filing claims
How It Works
1. A qualifying wind or hail event damages your home.
2. National Weather Service data confirms storm intensity.
3. You receive a fixed payout directly.
Limited adjusters.
No deductible.
No impact on your homeowners policy.
Qualifying hail storms payout 100%. Wind damage payout amounts are based on predefined intensity tiers.
Who This Is For
• Homeowners with high wind deductibles
• Homes with roof depreciation
• Landlords
• Anyone considering raising their deductible
Backed by Strength. Built for Simplicity.
This coverage is underwritten by Sola and fully reinsured through A-rated reinsurance carriers out of Lloyd’s of London.
It is a standalone wind and hail policy designed to work alongside your homeowners insurance.
Filing a claim does not impact your home insurance premiums and does not get recorded on your homeowners policy.
It is designed specifically to complement, not replace, your homeowners insurance
What Is Parametric Wind and Hail Insurance?
Parametric insurance does not pay based on an adjuster inspecting your damage. Instead, payouts are triggered by verified storm data.
Here is how it works:
1. A wind, hail, or tornado event hits your area.
2. National Weather Service data confirms the storm met the qualifying intensity.
3. A preset payout amount is issued directly to you.
There is no deductible under this policy.
You receive a fixed dollar amount based on the coverage level you selected and the intensity of the storm. You can use the funds for your wind deductible, roof repairs, temporary expenses, or any other out of pocket costs.
Testimonials
FAQs
Got Questions? Find Fast Answers on Hail Coverage Here!
What types of homes does ColoradoHailInsurance.com cover?
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.
What is this wind/hail coverage for?
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.
What is the deductible for this coverage?
This policy does not have a deductible.
How does the payout work?
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.
Will a claim from ColoradoHailInsurance.com affect my insurance record?
No. A claim from ColoradoHailInsurance.com is not recorded and will not impact your home insurance premiums.
Will you non-renew or increase my premium after a claim?
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.
Is there a waiting period before coverage becomes active?
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.
What is ColoradoHailInsurance.com financial backing?
The policies are issued through Sola. Sola offers innovative, data-driven policies that keep premiums affordable and consistent, even after a claim or a bad storm. Backed by decades of weather insights and advanced technology, Sola reduces financial uncertainty. Policies are fully reinsured through A rated reinsurance carriers out of Lloyd’s of London..
Contact Us
(720) 733-2598