New Coverage Available

When Hail Hits, Don't Pay Your
Deductible Alone

TAP Insurance now offers wind and hail deductible offset coverage through Sola Insurance — so when North Texas hail season strikes, you're not left holding a $5,000, $7,000, or even $15,000 bill.

Call (800) 666-2254 Free Quote
878
Major hailstorms in Texas in 2024
1–5%
Typical wind/hail deductible on TX home policies
$7,000+
Out-of-pocket cost on a $350K home with 2% deductible
$0
What Sola offset coverage can reduce your exposure to

What Is Deductible Offset Coverage?

Most Texas homeowners don't realize their homeowners insurance policy has a separate wind and hail deductible — and it's not a flat dollar amount. It's a percentage of your home's insured value. On a $400,000 home with a 2% hail deductible, that means $8,000 comes out of your pocket before your insurance pays a single dollar for hail damage.

Sola Insurance's Wind & Hail Deductible Offset is a standalone coverage product that pays part or all of that deductible for you when you file a wind or hail claim. It's separate from your homeowners policy, affordable, and designed specifically for the Texas market where hail isn't an "if" — it's a "when."

Think of it as gap coverage for the gap your homeowners policy already has.

See Your Hail Deductible Exposure

Enter your home's insured value and deductible percentage to see exactly how much you could owe out of pocket after a hail claim.

Home insured value: —
Hail deductible percentage: —
Your out-of-pocket deductible: —
With Sola offset coverage, this exposure can be reduced significantly — or eliminated entirely. Call (800) 666-2254 to get your Sola quote.

How It Works — 3 Simple Steps

1

Add Sola to Your Coverage

We quote and bind Sola's deductible offset policy alongside your existing homeowners coverage. It takes minutes, not hours.

2

Hail Damages Your Home

A North Texas hailstorm causes roof or property damage. You file a claim with your homeowners carrier like normal.

3

Sola Pays Your Deductible

Sola pays all or part of your wind/hail deductible so you're not left writing a $5,000–$15,000 check before repairs can start.

Who Should Consider Sola Coverage?

This coverage is especially valuable if you:

Situation Why Sola Makes Sense
Your home is valued over $250,000 Even a 1% deductible means $2,500+ out of pocket. A 2% deductible on a $400K home is $8,000.
You live in DFW, Wise County, or North Texas North Texas is ground zero for Texas hail. Storms track along US 287, through Rhome, Decatur, and the entire DFW corridor.
You've had hail claims before If you've already paid a hail deductible once, you know how painful it is. Protect yourself before it happens again.
Your carrier recently increased your deductible % Many Texas homeowners insurers raised percentage deductibles in 2024–2025. Your exposure may be higher than you realize.
You're not sure what your hail deductible is Most homeowners don't know — and find out the hard way. Use our calculator above, then call us to review your dec page.

Frequently Asked Questions

Does this replace my homeowners insurance?
No. Sola's deductible offset coverage works alongside your existing homeowners policy — it doesn't replace it. Your homeowners policy still covers the full claim; Sola just covers what would otherwise come out of your pocket first (the deductible).
Can I add this even if I already have homeowners insurance with another carrier?
Yes. Sola is a standalone product that works with most homeowners carriers. It doesn't matter if your home is insured with State Farm, Allstate, Farmers, Homeowners of America, Wellington, or a surplus lines carrier.
What does it cost?
Premiums vary based on your home's insured value, deductible percentage, and location. Call us at (800) 666-2254 for a personalized quote — many homeowners find that a year of Sola coverage costs a fraction of what one hail deductible claim would cost them.
Does it cover all types of hail claims or just roof damage?
Sola's deductible offset applies to covered wind and hail claims under your homeowners policy — which typically includes roof, siding, gutters, and other structural damage caused by wind or hail. Ask your TAP agent for specifics based on your policy.
How do I know what my current hail deductible is?
Check your Declarations Page (dec page) — it's the first page of your homeowners policy. Look for a line that says "Wind/Hail Deductible" — it will usually show a percentage (like 1%, 2%, or 3%). Not sure where to find it? Call us at (800) 666-2254 and we'll walk you through it.
I'm in Wise County. Are there a lot of hailstorms here?
Yes — Wise County and the DFW Metroplex are in the heart of Texas Hail Alley. Communities like Rhome, Decatur, Boyd, and Bridgeport see significant hail activity each spring. In 2024, Texas recorded 878 major hailstorms statewide. The question isn't if it will hail — it's when.
Is this only for homeowners, or can renters and landlords use it too?
Contact us to discuss your specific situation. Deductible offset products are primarily designed for homeowners policies, but if you own rental property or have a landlord policy, there may be options. Call (800) 666-2254 to talk it through with Nate.

About Sola Insurance

Sola Insurance is a specialized carrier focused on helping Texas homeowners bridge the deductible gap that percentage-based wind and hail deductibles create. As hail damage costs have increased and carriers have moved to percentage deductibles, Sola was created specifically to fill that protection gap for Texas homeowners.

TAP Insurance is proud to represent Sola as one of our carriers — and to bring this coverage to Wise County, DFW, and all of North Texas, where it's needed most.

Don't Wait for the Next Hailstorm

Hail season peaks in April and May across DFW and North Texas. There's no waiting period once the storm has already started. Get your Sola quote today — it takes just a few minutes with Nate or Cindy at TAP Insurance.

Get Your Sola Quote Call (800) 666-2254 Email Us

Serving Rhome, Decatur, Boyd, Bridgeport, Alvord, Paradise, and all of DFW & North Texas.
Licensed in Texas and Oklahoma. tapinsuretx.com