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Peril
Actual Cash Value
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Apply Here for a Wind/Hail/Tornado Pay-out :
How Payouts Work by Peril
Each type of storm has its own objective trigger and payout structure.
Peril 01
Hail Events
The policy uses a proprietary “Hail Score” based on National Weather Service (NWS) data.
1.75"+
If a storm drops stones 1.75 inches or larger, OR if the storm hits a 65% or higher hail score, you receive the full payout up to your policy limit after providing images of damage.
Peril 02
Wind & Tornado Events
Payouts are tiered automatically based on the Enhanced Fujita (EF) scale measured at your property’s exact location.
EF0–EF186–110 mph
12%
EF2111–135 mph
20%
EF3136–165 mph
40%
EF4165–200 mph
60%
EF5200+ mph
FULL LIMIT
100%
Percentages shown are illustrative of how tiered payouts scale with storm severity.
Claim Rules
For wind, hail, and tornado coverage.
Limits & Reset
You’re eligible for up to two payouts per policy term. After a payout, there is a mandatory 30-day waiting period before coverage resets.
No Spending Restrictions
Use the cash however you need — your primary insurance deductible, emergency temporary repairs, or a total roof replacement.