On a $500,000 home, your wind and hail deductible could cost you $10,000 before your carrier pays a dime. Sola covers that gap and pays you directly, no adjusters, no claims on your record, no waiting around.
Your homeowners policy covers wind and hail damage, but the deductible can run thousands of dollars. In Colorado, that deductible is often 1-2% of your home's value.
Sola fills that gap with a simple, standalone policy that pays you directly when a qualifying storm hits your area.
A single hailstorm can mean $5,000-$15,000 out of pocket before your homeowners insurance kicks in. Sola helps offset that cost, so one storm doesn't set your family back.
No adjusters at your door. No contractor quotes. No receipts. Sola uses National Weather Service data to verify the storm and deposits your payout directly, typically within 7 to 10 days.
Sola claims don't show up on your CLUE report, the database carriers check at renewal. That means no premium increases and no risk of non-renewal. In many cases, a Sola payout helps you avoid filing a homeowners claim altogether.
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
No. Sola claims are not reported to CLUE, which is the database your homeowners carrier checks at renewal. That means no premium increases, no risk of non-renewal, and in many cases, a Sola payout can help you avoid filing a homeowners claim altogether.
You file through the Sola Policyholder Portal or through your Trailstone agent. Sola verifies the storm using National Weather Service data, and once approved, your payout is deposited directly into your bank account. No adjusters, no contractor quotes, no receipts. Most payouts arrive within 7 to 10 days.
No. When a qualifying wind, hail, or tornado event hirs tour area, you receive the full payout amount with no out-of-pocket cost. That is the whole point of the product: it covers the deductible gap your homeowners policy creates, without adding another one.