Tornado Insurance
Why Do We Need This Policy?
This policy helps bridge the gap caused by deductibles, delays in traditional insurance payouts, and out-of-pocket expenses. Payouts typically arrive within days, helping you recover faster and return to normal life.
How the Policy Works
1. Tornado Event and Damage Assessment
A tornado damages your insured property.
The National Weather Service (NWS) surveys affected areas and publishes data within a few days.
Sola collects this data to determine if your property may have sustained damage.
You’ll receive a text and email from Sola asking if your insured property experienced damage.
2. Reporting Damage and Receiving Payment
You respond promptly through the provided link to attest to your loss.
If your property is damaged, you can log into your account (or create one using policy info) to select your preferred payment method.
Sola transfers the money directly to your account. You can use it for any out-of-pocket expenses.
Policy Coverage
What Does the Policy Cover?
After entering your direct deposit information, Sola transfers funds to your account. Use the money however you need—many apply it to their deductible or immediate costs.
How Is the Payout Amount Determined?
Sola bases your payout on the Enhanced Fujita (EF) level reported by the NWS at your property location. The higher the EF rating and your coverage limit, the higher your potential payout.
Managing Your Policy
How Can I Update My Policy Information?
Log in or sign up at solainsurance.com to manage and update your policy.
How Is the Payout Received?
Once the NWS confirms a tornado, Sola contacts you. If you report damage, log into your portal and initiate a payment to your bank account.
Is There a Deductible?
No. There’s no deductible for this policy.
How Is the Premium Determined?
Your premium depends on the coverage limit you choose.
Eligibility and Availability
Who Is Sola Available To?
Currently, Sola is available to homeowners. Business owner coverage is coming soon.
How Does It Differ from Traditional Insurance?
Sola pays quickly—within days—using verified NWS data. Traditional policies often take weeks or months.
Doesn’t My Main Insurance Cover Tornadoes?
Probably. But most home insurance has gaps. Sola helps cover those, including deductibles and expenses not reimbursed right away.
How Does Sola Work with My Main Policy?
Sola operates independently. While you file your main claim, Sola helps with immediate needs.
Can I Cover Multiple Properties?
Yes. You can purchase a policy for each property you live in or own.
Where Is the Policy Available?
Sola is currently available in:
AL, AR, GA, IN, IL, IA, KY, KS, MS, MO, NE, OH, OK, TN, TX.
Check the website or ask a Sola agent for updates.
Claims and Payment Process
How Long Before I Receive a Benefit?
You may receive payment within days, depending on when the NWS completes and publishes survey data.
Can I Cancel the Policy?
Yes, anytime. But talk with a Sola representative first to understand the implications.
Are There Restrictions on Spending the Benefit?
No. You can use the funds for any out-of-pocket costs, including your deductible.
How Do I Find a Local Agent?
Ask your current insurance agent if they offer the Tornado Crisis Policy, or visit our website.
Can I Buy a Policy After a Tornado?
No. The policy must be active before the tornado. There’s a 5-day waiting period after purchase.
Does the Policy Cover Other Natural Disasters?
No. This policy only covers tornadoes. We’re working on more coverage options.
Frequently Asked Questions
Can I See the Payout Zones?
Yes. After purchasing, log into your account to view damage paths and tornado polygons based on NWS data.
Will I Receive a Payout Without Damage?
No. You must attest to actual property damage to receive a payout.
What If I Don’t Have Internet Access After a Tornado?
Text us or call. You don’t need internet to file. You can also contact your agent if the policy was purchased through one.
Are There Discounts for Multiple Policies?
Possibly. Contact a Sola representative for details.
Does the Policy Cover Car Damage?
No. The property must be damaged to qualify.
Does the Policy Cover Wind or Hail?
No. The policy only pays out for tornado damage.
Trouble or Questions?
I Wasn’t Contacted but Suffered a Loss
Please reach out to Sola’s customer service. Delays may happen if NWS data hasn’t been uploaded or your address was outside the tornado’s path.
I Was Contacted but Didn’t Have Damage
Let us know via the text or email. No further action is required.
I Have a Complaint
Contact our customer service team via phone, email, or our website. Provide your policy info and a description of the issue.
I Want to Know More About NWS
Visit https://www.weather.gov for details about the National Weather Service and their process.
I Have a Question About My Claim
Contact us via phone, email, or our site’s contact form for support.
My Expenses Are Larger Than the Payout
Sola pays quickly to cover initial out-of-pocket costs. We’re not a full replacement for traditional insurance but work alongside it.
I Moved. What Now?
Let us know. You’ll need to update your policy or purchase a new one for your new property.
Only Part of My Property Was Damaged—Am I Eligible?
Yes, as long as there was damage and you’ve been contacted by Sola.
What Preventive Measures Should I Take?
You should secure outdoor items and repair any existing damage to reduce the impact of a tornado.