Wind and Hail Policy in Colorado Springs — Stop Paying Your Deductible Out of Pocket
A wind and hail policy in Colorado Springs is the one thing most homeowners don’t know they’re missing until a storm proves it. Homeowners in Briargate, Northgate, and Rockrimmon are sitting on percentage-based deductibles that can run $10,000 to $20,000 before their home insurance pays anything toward repairs. Kelli Holt at Farmers Insurance now offers a standalone wind and hail policy through Sola Insurance — one that pays you cash directly when a qualifying storm hits your home, with no home insurance claim required. You do not have to file a claim with your home carrier to get paid. The policy stands on its own.
Hail in Colorado Springs Is Not a Rare Thing
People who just moved here from out of state are always surprised by the hail. Like, genuinely shocked. They think Colorado is just snow and sunshine. Then July hits and a storm rolls in off Pikes Peak in about 20 minutes and suddenly their roof looks like someone took a golf club to it.
A family in Briargate came home from a weekend trip a couple summers ago to find their roof completely stripped. The storm moved through fast — under 20 minutes start to finish. Their Farmers home policy covered the repair. But before that check was cut, they owed $14,000 out of pocket. That was their 2% wind and hail deductible on a $700,000 home. They had no idea that number existed until the roofer handed them the estimate.
Thats the part most agents skip at renewal time.
And its not just Briargate. Homeowners near Palmer Park, Flying Horse, and the Woodmen Road corridor have had the exact same conversation with their agents after storms rolled through. The damage gets fixed. The bill is the surprise.
The Colorado Division of Insurance tracks hail claims across the state every year. El Paso County shows up near the top consistently. That data isn’t going anywhere — and neither is the hail.
What Is a Wind and Hail Deductible and Why Does It Hit So Hard?
Most home insurance policies in Colorado now carry a separate wind and hail deductible. Its not your regular deductible. Its a percentage of your home’s insured value — usually 1%, 2%, or even 5%.
On a $600,000 home with a 2% deductible, thats $12,000 you owe before your insurance company pays a single dollar toward repairs.
Carriers switched to percentage deductibles after big hail seasons in the early 2000s drove huge losses. It made sense for them. For homeowners in Northgate and the Dublin area, it quietly created a gap that most people don’t find out about until after the storm.
A lot of homeowners raise their wind and hail deductible to lower their monthly premium. Makes sense on paper. The problem is they raise it, forget about it, and then a storm comes through near Austin Bluffs Open Space and they’re staring at a bill they weren’t planning for.
Honestly, its one of the most common things Kelli sees. People are shocked when they find out what they actually owe.
This Is What a Standalone Wind and Hail Policy Does
A standalone wind and hail policy has one job. Pay you cash when a qualifying wind or hail event hits your home — so your not the one fronting that deductible.
You pick a coverage limit between $2,000 and $25,000. Most people match it to their home policy’s wind and hail deductible exactly. When a qualifying storm hits, Sola uses National Weather Service data to verify the event at your address. No adjuster shows up. No home insurance claim required. The money goes directly into your bank account.
A homeowner near Patty Jewett Golf Course told her agent she had raised her wind and hail deductible to 2% a few years back to lower her premium. She forgot she’d done it. After a hail event she was looking at $11,000 out of pocket. A standalone wind and hail policy at that coverage level would of cost her less than $30 a month. She added it the next day.
Thats the math that gets peoples attention.
For hail, Sola uses a Hail Score based on National Weather Service data — measuring hail size and how long it impacts your home. A score of 65% or higher at your address triggers a full payout at your chosen policy limit. No tiers for hail. You get the full amount you picked.
For wind events, payouts are tiered by storm intensity. Here’s how it breaks down on a $25,000 policy:
| Wind Speed | Payout (on $25,000 Policy) |
|---|---|
| 86–110 MPH | $3,000 |
| 111–135 MPH | $5,000 |
| 136–165 MPH | $10,000 |
| 165–200 MPH | $15,000 |
| 200+ MPH | $25,000 |
No deductible on the Sola policy itself. What you pick is what you get.
This Is Not a Deductible Buydown
This is the thing that confuses people the most and its worth being really clear about.
A deductible buydown is an endorsement you add to your home policy. It reduces your deductible but its tied to your home insurance. You still deal with your home carrier. It still shows up in your claims record.
A standalone wind and hail policy is completely separate from your home insurance. When a storm hits a home near John Venezia Community Park and the homeowner files a Sola claim, their home carrier never knows about it. It doesn’t show up on their CLUE report. Their home premium is not affected.
In some cases homeowners near Rockrimmon use the Sola payout to fix minor storm damage without filing a home claim at all. That protects their claims record and keeps their home premium where it is.
Thats a big deal. Especially if you’ve already had one claim in the last few years.
Kelli Holt Offers This Policy in Colorado Springs
Kelli Holt at Farmers Insurance — Kelli Holt is located at 5376 Tomah Drive Suite 110 in Colorado Springs — is appointed with Sola. That means you can add this coverage through a local agent you already know without shopping around or handing your information to a company you’ve never heard of.
Sola is reinsured through A-rated carriers out of Lloyd’s of London. The policy has no deductible of its own. Filing a claim won’t show up on your CLUE report. Sola won’t raise your rate or drop you after a claim. Your premium is based on your home’s risk — not your claims history.
Residents near Flying Horse and Woodland Hills carry some of the highest home values in Colorado Springs. That means their percentage deductibles are also some of the highest dollar amounts in the city. For those homeowners this policy closes the gap that makes the rest of their coverage actually work.
Kelli has been licensed for over 25 years. She won Best of the Springs in both 2025 and 2026. She’s not going to sell you something that doesn’t make sense for your situation. If this policy is right for you she’ll tell you. If its not she’ll tell you that too.
The wind and hail standalone policy is one piece of what Kelli’s office handles. If you need home insurance, auto insurance, renters insurance, life insurance, motorcycle insurance, or a commercial policy built around the actual gaps — not just the coverage — you can see everything at kholtagency.com.
What Homes Qualify for a Standalone Wind and Hail Policy
This policy covers structures. Not vehicles, not personal property — structures.
- Site-built homes
- Mobile & manufactured homes
- Landlord & rental properties
- Vacation homes
- Farms
- Vacant homes
Each policy has to be in an individual’s name. Not an LLC. Not a corporation. If you own rental properties near the Patty Jewett area or in Northeast Colorado Springs, those qualify — but the policy needs to be in your name personally.
How the Claims Process Works
When a storm hits your home near Austin Bluffs Open Space or anywhere else in Colorado Springs, here’s what happens:
Look for roof damage, broken windows, or leaks. If conditions are still unsafe outside, wait before going out.
Go to solainsurance.com, log in to your policyholder portal, and click File Claim. Enter the event type, the date, a description, and any photos. You can also file through the site chat.
Sola pulls National Weather Service data for your address to confirm storm activity. Weather data takes a little time to be released — they keep you updated along the way.
When your claim is approved, funds are deposited directly into your bank account. Fast, secure, no check in the mail.
One member near John Venezia Community Park filed after a storm hit on a Tuesday. The claim was settled and money was in her account by Wednesday. Thats the kind of turnaround that makes a rough week a lot easier.
Frequently Asked Questions About Wind and Hail Policy in Colorado Springs
