Wind and Hail Insurance

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a close up of a rain gutter on a roof

Wind and Hail Insurance: Reimagined

Fair Prices. Fast Payouts. Full Peace of Mind

Protect Your Home & Wallet from Storm Damage

Don’t let steep out-of-pocket expenses from wind, hail, and tornadoes catch you off guard. Franke Insurance Services now offers Sola, a standalone policy designed to cover your home insurance deductible and related costs.

  • No Deductible: You get paid the full dollar amount of your coverage. 

  • Fast Payouts: Skip the adjusters and paperwork. Claims are verified using National Weather Service data.

  • Total Freedom: Use your payout for repairs, your primary deductible, or any other expense you choose.

Why You Need Dedicated Wind & Hail Coverage

Standard home policies often leave gaps. Franke Insurance fills them.

  • Cover Your Deductible: We help offset the high cost of wind/hail deductibles by matching your coverage to your existing home policy.

  • Protect Against Depreciation: If you have a depreciated roof, this policy fills the financial gap left by depreciation in the event of storm damage.

  • Lower Your Premiums: You can confidently raise your primary home insurance deductible to lower your premiums, knowing Franke Insurance has you covered.

How It Works: Simple, Data-Driven Claims

We have removed the hassle from the claims process.

  1. Event Occurs: A wind, hail, or tornado event impacts your area. 

  2. Data Verification: Instead of sending an adjuster to your home, we use National Weather Service data to verify the storm’s intensity (wind speed and hail size).

  3. Quick Payout: Once verified, you receive your payout quickly and easily. 12Payouts are based on the intensity of the event and your selected coverage limit.

Example Payouts (based on $25,000 limit):

  • EF5 Tornado (200+ MPH): $25,000 Payout 

  • EF3 Tornado (136-165 MPH): $10,000 Payout 

  • Severe Hail (65% Hail Score): Pays your desired policy limit

Frequently Asked Questions

  • Do I need to file a claim with my main home insurance first?
    • No. This is a standalone product. You do not need to file a claim with your home insurance provider to receive a payout from us. In fact, it might help you avoid filing a primary claim altogether.
  • Will a claim affect my home insurance premiums?
    • No. A claim with Sola is not recorded on your home insurance record and will not cause your home insurance premiums to increase.
  • Is there a deductible?
    • No, the Sola policy has zero deductible.
  • Will my premium go up if I file a claim?
    • No. We do not increase premiums or non-renew policies based on claims history. Your cost is based solely on your home’s risk location.
  • Is my property eligible?
    • We cover site-built homes, mobile/manufactured homes, landlord properties, vacation homes, farms, and vacant homes. Policies must be written in an individual’s name, not an LLC or corporation.
  • Where is this available?
    • Franke Insurance Services can write this policy in Texas.

Ready to close the gap in your coverage?

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Backed by A-rated reinsurers out of Lloyd’s of London.

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