“I’ve got a wind and hail insurance guy.”
Navigate parametric coverage with a consultant who can help you better protect this risk.
Parametric wind & hail insurance.Payouts triggered by data, not adjusters.
Traditional policies pay after someone inspects your roof. Parametric coverage pays the moment an objective weather trigger is hit — measured wind speed, hail size, or storm path near your address.
How it works
A storm hits. A trigger fires. Money lands in your account.
No claim forms. No adjuster visits. No 90-day back-and-forth. The policy pays a pre-agreed amount within days of a qualifying event — you decide how to spend it.
Wind
Trigger86+ mph gusts
Payouts are tiered to the measured gust speed at the closest verified NWS / NOAA station — the stronger the wind, the larger the check.
Hail
TriggerHail score ≥ 65%
A single score built from National Weather Service data that blends hail size with how long the cell sat over your address. Cross the threshold and the full policy limit pays.
Tornado
TriggerEF0 through EF5
The payout climbs with the Enhanced Fujita rating of the confirmed tornado track near your home — a partial check for weaker twisters, the full limit at EF5.
Wind & tornado payout tiers
Example on a $25,000 policy limit — bigger storm, bigger check, no adjuster in the driveway.
| Wind speed | EF rating | Payout |
|---|---|---|
| 86–110 mph | EF0 / EF1 | $3,000 |
| 111–135 mph | EF2 | $5,000 |
| 136–165 mph | EF3 | $10,000 |
| 166–200 mph | EF4 | $15,000 |
| 200+ mph | EF5 | $25,000 |
Limits run from $2,000 up to $25,000 per policy, with up to two qualifying payouts per term and a 30-day reset between events.
Traditional wind/hail
- • 30–120 day claim cycles
- • Adjuster estimates the damage
- • 2–5% deductibles common on the coast
- • Depreciation & ACV disputes
- • Money earmarked for repairs only
Parametric layer
- • Payout in 3–10 days
- • Trigger is objective & automatic
- • No deductible on the trigger payout
- • No depreciation math
- • Spend on repairs, deductible, lodging, lost income
Real-world example
North Texas wind & hail deductibles are climbing fast.
In the Dallas–Fort Worth area, many carriers now apply a separate wind & hail deductible of 2–5% of dwelling coverage. On a $400,000 home, that's an $8,000–$20,000 out-of-pocket hit before the homeowners policy pays a dime. A parametric layer with a 1.5″ hail trigger can pay a fixed $10,000–$25,000 within days — giving families the cash to cover that deductible, replace the roof, or stay in a hotel while repairs start.
Coastal homeowners
Bridge the gap on 5% hurricane deductibles.
Farm & ranch
Protect equipment and outbuildings insurers won't touch.
Small businesses
Cover lost revenue while the storefront is dark.
HOAs & condos
Fund emergency repairs before the master policy pays.
How a parametric layer helps real Texas families.
These are composite examples based on common wind/hail scenarios. Every policy is different, but the pattern is the same: parametric coverage supplements — not replaces — your homeowners insurance.
“I switched to a 2% wind/hail deductible and added a parametric layer. My premium dropped $700 a year, but I still have an effective 1% out-of-pocket cost if hail hits.”
— Rebecca S., McKinney
“My wind/hail deductible jumped to 3% — $10,500 out of pocket. For about $45 a month, a parametric layer paid $7,500 within a week while my homeowners claim was still being adjusted.”
— Marcus T., Fort Worth
“My carrier only pays actual cash value on my 14-year-old roof. After the last storm, depreciation left me $8,200 short. One parametric trigger filled that gap without replacing my homeowners policy.”
— Jennifer R., Plano
Other lines I quote and manage.
Beyond the parametric wind & hail flagship, here's the rest of the shelf. Independent, fee-first, and matched to your actual risk.
Deductible Defender
Reimburses your homeowners or auto deductible after a covered claim — so a $5k deductible doesn't sink your month.
Visit site →Pet insurance
Accident, illness, and wellness plans for dogs and cats. I compare Trupanion, Healthy Paws, and Lemonade so you don't have to.
Bolt smartphone insurance
Cracked screens, theft, and liquid damage covered per device — usually cheaper than the carrier's plan.
IDIQ identity theft coverage
Dark-web monitoring, credit alerts, and up to $1M in stolen-funds reimbursement through IdentityIQ.
Renters insurance
Personal property, liability, and loss-of-use for tenants — often under $15/month done right.
Flood insurance
NFIP and private flood market options. Because your homeowners policy does not cover rising water.
Parametric power coverage
Fast payout when the grid goes down past a set number of hours — cover generators, spoiled inventory, and hotel nights.
Parametric hurricane coverage
Named-storm trigger based on category and distance from your address. Cash lands before the tarps do.
Competitive insuretech homeowners options.
Traditional carriers aren't the only game in town. A new wave of digital-first homeowners insurers often beats legacy pricing and pays claims faster.
Hippo
Smart home sensors and proactive maintenance alerts. Covers laptops, appliances, and home office gear at competitive rates.
Porch
Insurance built around home services and inspections. Bundles coverage with maintenance support to catch problems early.
Bamboo
Digital-first homeowners insurance with flexible coverage options and a streamlined online claims experience.
Homeowners of America
Regional insurer focused on personalized service and competitive pricing for standard homeowners risks.
Why I shop insuretech first for the right client.
Lower overhead
No brick-and-mortar agent network means premiums reflect actual risk, not commission loads.
Faster claims
Many settle via app in hours or days, not the 30–90 day industry average.
Smarter underwriting
IoT, aerial imagery, and public records replace generic rate bands.
Get a competitive homeowners quote.
Fill this out and I'll shop Hippo, Porch, Bamboo, and Homeowners of America for the best fit — then email you a side-by-side breakdown.
- • No credit card or phone call required to start
- • Manual comparison within 1 business day
- • I only recommend coverage I'd put on my own house
Everything a good dad would double-check for you.
Policy audits
Line-by-line review of what you have, what you're missing, and what you're overpaying for.
Coverage stacking
Combine standard, excess & parametric layers to close the deductible gap.
Claims quarterback
I sit on your side of the table when the adjuster shows up.
Small-business risk
BOP, cyber, and business interruption tailored to your revenue model.
Flood & earthquake reviews
Standard policies exclude water and earth movement. I map the real exposure and find the right market.
Annual check-ins
Rebids, endorsements, and reminders you don't have to think about.
How working with me actually goes.
Flat fees. No carrier commissions. You own the recommendations forever.
- 01
Free intake call
30 minutes. You talk, I listen, we find the obvious gaps.
- 02
Full portfolio review
I read every policy you have and put it on one page.
- 03
Recommendations
Flat-fee proposal — carriers, layers, and what to drop.
- 04
Ongoing partnership
Annual rebids, claim support, and text-me-anytime access.
Straight answers.
Is parametric insurance a replacement for my homeowners policy?+
No — it's a complement. Keep your homeowners for structural coverage; layer parametric on top to cover the deductible, lost time, and gaps.
Will filing a parametric claim hurt my claim history or CLUE report?+
No. A parametric payout from Sola isn't a traditional property claim — it's triggered by verified weather data, not a loss adjuster inspecting your home. It doesn't get reported to your homeowners carrier and won't show up on your CLUE loss history.
Do I have to file a homeowners claim to get paid?+
No. Parametric pays out based on the weather event itself — wind speed, hail size, hurricane category — not on whether you filed a homeowners claim or had damage inspected. If the trigger hits, you get paid, even if you never touch your homeowners policy.
Will a parametric payout raise my homeowners rates?+
No. Because there's no homeowners claim filed and nothing reported to your carrier, your rates and renewal aren't affected by a parametric payout.
I have a high wind/hail deductible or ACV-only roof coverage. Does parametric help?+
Yes — this is exactly what it's built for. If you've been pushed to a 2–5% wind/hail deductible or your roof is on actual cash value (ACV) instead of replacement cost, parametric fills that gap. The payout is yours to use however you want: cover the deductible, make up the depreciation on an ACV roof, or handle out-of-pocket repairs.
What does a parametric policy cost?+
Typically 0.5–2% of the payout amount, per year. A $50k trigger payout might run $500–$1,500 depending on ZIP code.
What if the trigger almost hits but doesn't?+
You get nothing. That's the trade-off for speed and simplicity, which is why I only recommend parametric as a layer — never as your only coverage.
How do I know the trigger fired?+
Verified third-party data (NOAA, NHC, radar MESH) is written into the policy. No arguing about it — the numbers are the numbers.
Do you sell the policy or just advise?+
Both are available. Advisory is flat-fee. If you want me to place coverage, I disclose every dollar of commission up front.
What does the parametric claims process actually look like?+
Four steps, no adjuster. (1) After a wind, hail, or tornado event, check your home for damage once it's safe. (2) Log into the Sola policyholder portal, tap File Claim, and upload the event type, date, a short description, and a few photos — or send it to me and I'll walk it through with you. (3) Sola cross-checks the event against National Weather Service data to confirm the storm hit your address; official weather data can take a few days to publish, and they keep you posted along the way. (4) Once the trigger is verified, the payout hits your bank account by direct deposit — most claims fund in roughly 7 to 10 days. No contractor estimates, no receipts, no CLUE report entry.
How quickly do I get paid after a qualifying storm?+
Most parametric payouts land in your bank account within about 7 to 10 days of the event once the weather data is confirmed. There's no adjuster visit, no depreciation math, and no repair receipts to chase — the money is yours to spend on the deductible, the roof, a hotel stay, or whatever the storm cost you.
Let's put a number on what you'd lose next storm.
Book a free 30-minute call. Bring your current policy — I'll read it while we talk.
No spam. No auto-drip. Just a reply from a real dad.