Stop Paying Your Wind and Hail Deductible Out of Pocket
- Mason Hayes
- Jun 22
- 3 min read
Missouri Weather Is Expensive. Your Deductible Does Not Have to Be.
If you own property in Missouri, you already know what spring and summer can bring: wind, hail, and tornadoes. Severe storms roll through Polk County and across the state every single year, leaving behind damaged roofs, broken windows, and dented siding. Most property owners assume that is what home insurance is for, and it is. But what most people do not realize until after the storm is how much they are expected to pay before their insurance kicks in. That number is called your wind and hail deductible, and in Missouri, it can easily run into the thousands.
Wind and hail deductibles are different from your standard home insurance deductible. Most Missouri policies carry a separate wind and hail deductible that is calculated as a percentage of your home's insured value rather than a flat dollar amount. On a home insured for $300,000 with a two percent wind and hail deductible that means $6,000 out of pocket before your insurance pays a single dollar. For a farm property or a rental home the numbers can climb even higher. That out of pocket cost catches most people completely off guard and it is one of the most common financial surprises we see after a major storm event.
There is now a product specifically designed to solve this problem. Sola is a standalone wind and hail insurance policy that works alongside your existing home or property insurance to cover exactly that gap. When a qualifying wind, hail, or tornado event occurs Sola uses National Weather Service data to verify the storm and issue a payout based on the intensity of the event and the coverage you selected. There are no adjusters to wait for, no lengthy claims process, and no filing required with your home insurance carrier. In many cases Sola can help you avoid filing a home insurance claim altogether, which means your home insurance record stays clean and your premiums stay where they are.
One of the most common questions we hear is whether a Sola claim will affect your insurance record or cause your premiums to go up. The answer is no on both counts. Sola does not report claims to your home insurance carrier and does not increase your premium after a claim. Your rate is based entirely on your property's risk profile, not on whether you have filed before. That is a fundamentally different approach from traditional insurance and it is one of the reasons this product stands out. Sola is available for site built homes, mobile and manufactured homes, farms, vacation homes, landlord properties, and vacant homes across Missouri, making it one of the most flexible coverage options we have ever been able to offer our clients.
At Bankers Agency Insurance we have been helping Polk County property owners protect what they have built since 1938 and adding Sola to our product lineup was an easy decision. Missouri is one of the most storm-exposed states in the country and the financial gap left by wind and hail deductibles is real. If you own a home, a farm, a rental property, or any piece of Missouri real estate, a conversation about Sola is worth having. The cost is affordable, the coverage is straightforward, and the claims experience is unlike anything the traditional insurance market has offered before.
Ready to stop paying your wind and hail deductible out of pocket?
Contact Bankers Agency Insurance or use the link below to learn more about Sola and find out if it is right for your property. No pressure. No obligation. Always free.
📞 (417) 777-3000
📍 109 S Main St, Bolivar, MO 65613
📍 24969 MO-254, Hermitage, MO 65668
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