What you should know
The plain-English version of the policy, before you ever talk to anyone.
Our Atlanta team takes the calls, writes the policies, and pays the claims.
Where can I buy a Sola policy?
We currently write in Arkansas, Colorado, Georgia, Indiana, Iowa, Kansas, Kentucky, Missouri, Ohio, Oklahoma, Tennessee, and Texas. More states are on the way.
What kind of properties qualify?
Site-built homes, mobile and manufactured homes, landlord properties, vacation homes, multiple properties, farms, and vacant homes are all eligible.
When does my coverage start?
There's a five-day waiting period before your policy goes active, so the sooner you start the sooner you're covered. No exam, no inspection.
How much coverage do I need?
Sola policies are flexible, written from $2,000 to $25,000. Find the use case that sounds like you.
Your deductible jumped at renewal.
A 1 to 5+ percent wind and hail deductible can mean $5,000 to $25,000 out of pocket the next time a storm hits. Match your Sola limit to the deductible and the next claim costs you nothing.
You raised your deductible to save.
Carriers reward higher deductibles with lower premiums. Use a slice of those savings to fund a Sola policy that backstops the new, higher number — and pocket the rest.
Your roof is on ACV, not RCV.
After about ten years, most carriers quietly switch your roof from replacement cost to actual cash value. A Sola policy at $10K–$25K closes that gap so you walk away with a new roof, not a depreciated one.
What triggers a Sola payout
Every payout is a full dollar amount, by direct deposit. No deductible. Triggered by qualifying weather data, not adjuster judgment.
The table below updates with your number. Limits range from $2,000 to $25,000.