Concerned with your Wind/Hail/Tornado Deductible?

Home insurance costs are rising across Texas, and many policies now have higher deductibles for wind, hail, and tornado losses. That can leave homeowners in Rockwall and throughout North Texas facing large out-of-pocket expenses after a storm.

At Hanby Insurance, we are proud to offer an option called Sola. Sola is a buyback policy for wind, hail, and tornado damage that helps alleviate the financial burden of having a higher deductible. It is designed to cover your deductible and expenses related to storm damage, allowing you to recover more quickly and with less financial strain.

How Sola Coverage WorksSola is a buyback policy for wind, hail, and tornado damage that alleviates the financial burden of a higher deductible. This policy helps you cover your deductible and storm-related expenses, allowing you to recover more quickly and with less financial strain.

• Fair pricing – Premiums are based on your property’s risk, not your claims history or personal information. That means fair and affordable coverage.

• Continuous monitoring – Sola tracks weather data around the clock. If your home in Rockwall or anywhere in North Texas is hit by damaging wind, hail, or a tornado, the system detects it immediately.

• Quick payouts – After a weather event, share photos of the damage with your Hanby Insurance agent. Sola confirms the storm data and typically issues payment by direct deposit within 3–5 days. No deductible, no lengthy claims process, and nothing reported on your claims history.

• Year-round protection – If you receive a payout, there’s a short 30-day waiting period, then your coverage resets for the rest of the year.

Why It Matters for North Texas Homeowners

Hail and severe winds are common across Rockwall and the broader North Texas region. With higher deductibles becoming the norm, having a policy like Sola means you don’t have to shoulder the entire financial burden after a storm. It provides a reliable safety net when you need it most.

Get a Quote Today

Hanby Insurance has been serving Texas families since 1940, and we understand the unique risks associated with living in Rockwall and the surrounding North Texas area. Our team is ready to answer your questions, review your options, and help you decide if Sola is a good fit for your home.

Call us, request a free quote online, or stop by our Rockwall office. We’re here to help you protect what matters most.

FAQ:

What Does Wind/Hail Coverage From Sola Do?

This policy is designed to step in and cover the wind or hail deductible on your homeowner’s insurance. Instead of relying on a long claims process, Sola uses trusted National Weather Service data to confirm when a storm impacts your property and issues payment quickly.

How Does the Claim Get Paid?

If your home is damaged by wind or hail, simply contact your Hanby Insurance agent and share photos of the affected areas. We’ll send that information to Sola, who then verifies the storm using National Weather Service data.

Once confirmed, Sola issues a direct deposit—usually within just a few days. After a payout, there’s a short 30-day waiting period before your policy resets, ensuring you have continuous protection for the rest of the year.

Does the Sola Policy Have a Deductible?

Nope! The Sola policy has no deductible. That means when a covered wind or hail event happens, you get your payout without any extra out-of-pocket cost.

Will Filing a Claim with Sola Increase My Insurance Premiums?

No. Claims made through Sola are not reported to your CLUE or historical home damage report. That means your homeowner’s insurance record stays clean, and using your Sola coverage won’t impact your future rates.

Will My Premium Increase or Will I Be Cancelled After a Claim?

No. Sola will not non-renew your policy or raise your premium if you file a claim. The cost of your Sola policy is based only on your home’s risk—not your personal details and not your claims history. This means you won’t be penalized for using the coverage you’ve paid for.

What is Sola Be Able to Pay Claims?

Sola is fully reinsured through A-rated carriers at Lloyd’s of London. Lloyds of London is one of the most trusted names in the insurance industry. This means your coverage is backed by strong, reliable financial support.

What Payment Options Does Sola Offer?

You can choose to pay for your Sola policy monthly or in full for the year. Plus, you’ll receive a discount if you pay for the year upfront or if you set up payments directly through your bank account.

Is There a Waiting Period Before Coverage Starts?

Yes. Once you purchase your Sola policy, there’s a five-day waiting period before you’re eligible for a payout—unless your chosen start date is more than five days away. After that, your coverage is fully active.

How Much Does Sola Cost in North Texas?

The cost of a Sola policy varies based on your home’s location and risk, but for most Rockwall and North Texas homeowners, the premiums are surprisingly affordable. Because Sola bases pricing only on your property’s risk—not your personal details or claims history—you receive fair, transparent rates. The average we have seen is $500-$1,000 a year, depending on the coverage you select.

Our Hanby Insurance team can quickly run the numbers for your home and show you exactly what Sola coverage would cost. Many of our clients find that the peace of mind it brings is well worth the small monthly or annual premium.