The Wind and Hail Policy Missouri Has Never Seen Before
- Mason Hayes
- Jun 29
- 3 min read
A Wind and Hail Policy Built Differently From the Ground Up
In over 85 years of serving Missouri property owners, Bankers Agency Insurance has seen a lot of insurance products come and go. Most of them work the same basic way. You pay a premium, something bad happens, you file a claim, you pay your deductible, and then you wait for a check. The system works, but it has always had friction. Adjusters to schedule. Paperwork to file. Deductibles to cover out of pocket. Rate increases to absorb after a claim. For most Missouri homeowners that friction is just the cost of doing business with insurance. Until now.
Sola is a standalone wind and hail insurance policy and the single most important thing to understand about it is this. The Sola policy itself has no deductible. That is not a misprint and it is not a promotional offer. When a qualifying wind, hail, or tornado event occurs and you file a Sola claim, there is no amount you are required to pay before the payout kicks in. For Missouri property owners who have spent years absorbing thousands of dollars in wind and hail deductibles out of pocket, that single fact changes everything about how storm season feels.
What makes Sola even more remarkable is how it handles the claims process itself. Instead of sending an adjuster to inspect your property, Sola uses National Weather Service data to verify that a qualifying storm event occurred in your area. The intensity of the event and the coverage you selected determine your payout. No scheduling conflicts. No waiting for an adjuster to show up. No back and forth over damage assessments. The storm data does the work and the payout follows. It is one of the most straightforward claims experiences we have ever seen in the insurance industry.
There are two more features that consistently surprise people when we walk them through Sola. First, a Sola claim does not get reported to your home insurance carrier and will not increase your home insurance premiums. You are not penalized for using the coverage you paid for. Second, Sola itself will not raise your rate or non-renew your policy after a claim. Your Sola premium is based entirely on your property's risk profile, not your claims history. That kind of consistency is rare in insurance and it is one of the reasons we are confident recommending this product to every property owner we work with in Polk County and across Missouri.
Sola is available for site built homes, mobile and manufactured homes, farms, vacation homes, landlord properties, and vacant homes throughout Missouri. It is backed by A-rated reinsurance carriers out of Lloyd's of London, which means the financial strength behind every policy is as solid as it gets. At Bankers Agency Insurance we do not add products to our lineup lightly. We have been protecting Missouri families since 1938 and our reputation depends on recommending coverage we genuinely believe in. Sola earned its place in our agency because it solves a real problem in a way the traditional insurance market never has. If you own property in Missouri, this is a conversation worth having.
Want to learn more about Sola? Get a quote right now with the link below!
Contact Bankers Agency Insurance today for a free review of your current wind and hail exposure. We will walk you through how Sola works and whether it makes sense for your property with a quote in minutes. No pressure. No obligation. Always free.
📞 (417) 777-3000
📍 109 S Main St, Bolivar, MO 65613
📍 24969 MO-254, Hermitage, MO 65668