Protection for the Unexpected – Wind & Hail

Let Us Pay For your Deductible

Pitfalls (High Complexity / Slow Process)

The Deductible Barrier: Must pay a percentage-of-home-value wind/hail deductible first.
The Adjuster Delay: 1–3 weeks for an adjuster to arrive, stalling recovery.
Value Erosion: Payouts are diminished by depreciated roof value assessments and strict “cosmetic exclusions” that deny claims for aesthetic damage (like dented metal roofs or siding) if no leak is present.

Penalties (High Risk / Automated Consequences)

The Paper Trail: Every claim remains for 5–7 years.
Premium “Penalty”: When you file a claim, you move out of the “baseline risk” pool and into a higher-risk tier. Premium is adjusted upward to account for the increased probability of recurring.
Risking Non-renewal: Filing two claims within a three-year window can trigger a “high risk” flag, frequently resulting in non-renewal notices.

Boundaries (Policy Limits & Rules)

Supplemental: Think of it as a Deductible Shield: it stands guard in front of your standard policy to absorb the immediate out-of-pocket costs after a storm.
Scope Limits: It must be held in an individual’s name (no LLCs) and specifically excludes hurricanes and named storms.
Time Barriers: 5-day waiting period before coverage begins; 30-days to reset after a payout.
Limits: Max of 2 payouts per year.

Advantage (Low Cost / Fast & Data-Driven / Flexibility)

Data-Triggered: Eliminates adjusters entirely by relying on National Weather Service data.
Low Costs: (example quote in Iowa) <$180/year or $0.50/day for a $5,000 payout; no deductible.
Rapid Liquidity: Directly deposited in 7–10 days once weather data is confirmed.
Flexible Cash: Use funds freely on hail/wind deductibles and/or immediate needs like food, debris removal, or repairs.

Currently available in: Arkansas, Colorado, Georgia, Indiana, Iowa, Kansas,

Kentucky, Missouri, Ohio, Oklahoma, Tennessee and Texas

Currently available in: All 50 States