Tornado Insurance
Why do we need this policy?
The policy helps cover the gap caused by the deductible, often lengthy main insurance claims processes, and other out-of-pocket expenses that every home insurance policy has. With payouts within days the policy helps you recover faster, so you can get back to your normal routine.
The Basics
How does the policy work?
- A tornado event damages your insured property
- The National Weather Service (NWS) will go out and survey the damaged areas. This is done automatically and you do not need to coordinate anything. They usually will publish this data within a few days
- Sola will collect National Weather Service data to determine if you may have sustained damage from the tornado.
- Sola contact you via text and email asking if your insured property received damage from the tornado
- You respond (attest) on if you have suffered a loss in a timley manner either from the text or email we send you
- If your insured property received damage from the tornado event, you can log into your account to choose your preferred claim payment method. If you dont have an account set up you can create one using your policy information.
- You choose your preferred claim payment method and the money will be transferred. The money can be used to cover anyout of pocket expenses allowing you to bounce back faster.
What does the policy cover?
After the direct deposit claim payment method is entered the payment will be directly deposited into your account, providing you the flexibility to use it as you see fit. Popular options include covering your homeowners’ policy deductible or addressing any out-of-pocket expenses that may arise following a tornado.
How is the payout amount determined?
The coverage amount is determined by the Enhanced Fujita level (EF) as designated by the National Weather Service at the home’s location. The Enhanced Fujita (EF) level is a scale used to show how intense and damaging a tornado is. The higher the EF level and the limit you purchased, the higher the potential payout depending on the policy purchased
How can I update my policy information?
Log in or sign up at solainsurance.com. From there you can manage your policy and update all policy information
How is the payout received?
Policyholders who have experienced a loss due to a tornado event, as verified by National Weather Service (NWS) data collected by us, will be contacted through text message and email. If the policyholder confirms their loss they are directed to the policyholder portal, where they can initiate payment directly to their bank account.
Is there a deductible on the policy?
No, there is no deductible!
The premium is determined by the limit of coverage you select
Who is Sola available to?
Currently available to homeowners and we are looking to launch to business owners in the near future.
How does the Tornado Crisis Policy differ from traditional home insurance policies?
Unlike traditional home insurance policies, Sola provides a fast payout within a few days using data from the National Weather Service.
Doesn’t my main home insurance cover tornadoes?
Maybe. Most home insurance covers tornados. However all insurance policies have gaps. The purpose of the Tornado Crisis Policy is to help cover out-of-pocket costs, deductibles, and exclusions that may occur from the main home insurance coverage. Our policy pays within a few days, whereas most carriers take weeks or months to payout. Many homeowners during this time have to pay for debris clean-up, gas, groceries, accommodation and other out-of-pocket expenses.
How does the policy relate to my main home insurance policy?
Our policy works independently of any other policy. While working through the main home or business policy claim, our Tornado Crisis Coverage will be there to help cover whatever is needed most.
Can someone have multiple properties covered?
Yes, an individual may be able to purchase Sola for any location they live in or own.
How long does it take to receive the disaster benefit after a tornado has struck?
Sola aims to pay valid claims within a few days after a tornado has struck. This depends on when the National Weather Service (NWS) surveyors have completed their work and their data is uploaded. This is much faster than most traditional home insurance policies, which may take weeks or months to payout.
Can I cancel the policy at any time?
You can do so whenever you choose. Before cancelling, it is advised to discuss the terms and circumstances of the policy with a Sola representative or your agent
Are there any restrictions on how I can use the disaster benefit?
The disaster benefit received can be used to cover ANY out-of-pocket costs, including the deductible!
How can I find a Sola agent in my area?
A policy can be purchased on our website. Additionally we have partnered with many agents to sell the policy. Just ask your agent “Do you have a tornado crisis policy?”
Is the Tornado Crisis Policy available in all states?
Sola is currently available in AL, AR, GA, IN, IL, IA, KY, KS, MS, MO, NE, OH, OK, TN, TX with more on the way! You can check the availability of the policy in your state by visiting our website or speaking with a Sola representative.
Is there a maximum number of claims I can make per policy year?
In the extremely unlikely event you get hit twice you will be paid out twice as long as the events were 30 days or more apart.
Can I purchase the policy after a tornado has already struck?
No, the policy must be purchased before the tornado strikes in order to be eligible for the payout. There is a 5 day waiting period once the policy is bought.
Does the policy cover only tornadoes or other natural disasters as well?
Sola’s policy covers only tornadoes. Don’t worry, we are working hard to develop more products!
Claim/Payment Processes
How is the disaster benefit received?
Eligible policyholders will be contacted via text message and email and guided to the policyholder portal where payment can be initiated directly to their bank account.
Can I see the payout zones?
Once you purchase the policy, you can log into your account and view the damage paths and polygons for any National Weather Service rated tornado.
Will I receive a payout if there is no damage to my property after a tornado?
No. You must have incurred some sort of damage or loss, which you do via attesting to the loss when contacted by text or email.
What happens if I do not have access to the internet after a tornado?
If you do not have access to the internet after a tornado, please contact Sola to determine the status of your claim. You can find Sola’s contact information on our website. You don’t need internet to text. Additionally if your policy was bought through an agent you can contact them as well.
Does Sola offer any discounts for purchasing multiple policies?
Sola may offer discounts for purchasing multiple policies. Please contact a Sola representative for more information.
Am I eligible if the tornado damages only my car?
No, there has to be damage to the property
Does the policy payout for wind or hail?
No. The policy only pays out for a damaging tornado event
What if I suffered a loss but have not been contacted?
If you have suffered a loss due to a tornado event but have yet to be contacted by Sola, please reach out to our customer service team for assistance. There are many different scenarios for why Sola has not contacted you, including National Weather Service data has not yet been uploaded, you were not in the path of the tornado, etc.
What if I am contacted and I haven’t had any damage?
If you are contacted by Sola but have not experienced any damage, please inform us by responding to the text or email you received. No further action will be required on your part.
What if I want to make a complaint?
If you have any concerns or wish to file a complaint, please contact our customer service team via phone, email, or our website’s contact form. Provide your policy information and a detailed description of the issue you are experiencing. Our team will address your concerns and work diligently to resolve the matter promptly.
What if I want to know more about what the NWS does?
What if I have a question about my claim?
If you have any questions about your claim please contact our customer service team via phone, email, or our website’s contact form.
What if my expenses are larger than the amount Sola pays me?
Sola offers predetermined payouts within days to assist with immediate out-of-pocket expenses following a tornado event. The actual loss incurred may be larger than the payout provided by Sola due to the nature of our policy. We strongly encourage maintaining a primary home insurance policy to cover your home for any disaster. Sola aims to address gaps in your main policy, such as covering deductibles, rather than serving as a complete replacement.
What if I move to a different property and still want the coverage?
If you move to a different property please inform Sola of the move and contact a Sola representative to obtain a new policy
What if only part of my property is damaged?
As long as there is damage to the property and you have been contacted by Sola you may be eligible for a payout.
What if I want to take preventive measures to protect my property from tornado damage?
Sola requires policyholders to take some preventive measures. This measure can include tieing down loose furniture, fixing any pre-existing damage,
Tornado Insurance Quotes
As an independent insurance agency we have access to multiple top-rated insurance companies. We’ll shop the competition on your behalf to find the best deal!
Contact Us
OKC Insurance Brokers
11901 N MacArthur Blvd Suite D9
Oklahoma City, OK 73162
Phone: (405) 509-9433
