Colorado Hail Insurance Powered by Bravura Brokerage

High Out-of-Pocket Costs.

Percentage deductibles of 1% or 2% along with roof depreciation can cost you thousands of dollars in the event of a wind or hail storm.And too many claims on your homeowners policy can affect your renewal rates and your long term insurability.Many homeowners will have to use savings or take out a loan to cover these costs.

Parametric Wind and Hail Insurance fills the gap

The parametric policy allows you to choose your amount of coverage from $2,000 to $25,000.When a qualifying storm causes damage to your home, you are paid quickly and directly.Which gives you cash to meet your out-of-pocket expenses.Policy is underwritten through Sola Insurance.

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Standalone Coverage

Your wind and hail policy pays out based on weather data from the National Weather Service.You can purchase this coverage regardless of which company provides your homeowners insurance.Your homeowners insurance premium is not affected by a claim made on this policy and claims are not reported to CLUE.Many homeowners use this coverage to pay for storm-related expenses without filing a claim on their homeowners insurance policy.

# 1 A storm damages your homeTake pictures of the damage like dents in gutters or damage to windows.Obtain a roofing report listing the damages.

# 2 You submit a claimSubmit a claim through your policyholder portal or your insurance agent.Provide the date of the storm and upload your pictures or reports of the damage.

# 3 Sola analyzes the storm dataSola analyzes data from the National Weather Service to confirm the storm's intensity and location.

# 4 You get PAIDSola makes your payment by direct deposit.Use the money to cover your wind and hail deductible, roof depreciation costs, avoid filing a home insurance claim altogether, or cover any additional out-of-pocket expenses.

What types of structures are eligible?This policy is available for site-built homes, mobile and manufactured homes, landlord properties, vacation homes, and multiple properties. We also accept policies for farms and vacant homes. Each policy must be issued in the name of an individual.What is the deductible for this coverage?There is no deductible. This is first dollar coverage.How much coverage should I purchase?The right amount depends on several factors, including your wind and hail deductible, the age and condition of your roof, your budget, and your comfort level with out-of-pocket expenses after a storm.Many homeowners choose coverage amounts that help offset all or part of their wind and hail deductible.Not sure what's right for you? Contact us for personalized guidance.

Is there a waiting period before coverage becomes active?Yes, there is a five-day waiting period from the date of purchase before you are eligible for a payout.Does my claims history prevent me from purchasing this policy?No, this policy is available for all eligible types and premiums are determined by location only.Will my premium increase because of a claim?No, premiums are determined by the property location. Increased storm activity in an area could affect premiums.What is CLUE?CLUE stands for Comprehensive Loss Underwriting Exchange. It's a claims history database maintained by LexisNexis Risk Solutions that insurers use when underwriting homeowners, renters, and auto insurance.

7200 E Dry Creek Rd. Ste. E-204
Centennial, CO 80112
(720) 733-2598

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