Nimbus Insurance & Financial Services
Texas homes beneath powerful storm clouds before severe wind

Texas Windstorm, Tornado & Hail Insurance

Texas windstorm & tornado insurance, explained before the storm.

Nimbus compares windstorm, tornado, and wind/hail coverage across Texas — TWIA and private-market options for homeowners, renters, coastal property owners, and businesses, plus standalone Sola wind/hail deductible protection.

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Texas storm reality

Wind damage and flood damage are not the same claim.

Tornadoes and severe thunderstorms can damage roofs, windows, siding, fences, and contents. The same storm can also push water into a property — and standard homeowners insurance generally does not cover rising flood water.

The right protection depends on your address, construction, roof, deductible, mortgage requirements, and existing policy. Nimbus compares the pieces and explains them in plain language.

Wind & tornado
Hail
Flood & surge
Texas home with hail scattered across the lawn as storm clouds clear

Sola wind & hail — now writing in Texas

Cover the deductible your homeowners policy leaves behind.

A Texas wind and hail deductible is often 1–2% of your dwelling limit — on a $400,000 home that is $4,000 to $8,000 out of your pocket before your homeowners policy pays a dollar. Sola is a standalone wind/hail policy that helps cover that gap.

No deductible on the Sola policy No adjuster visit Claims paid on National Weather Service data Doesn't touch your homeowners record No non-renewal or rate hike after a claim

High wind/hail deductible?

Sola helps offset a high wind and hail deductible by matching standalone coverage to your existing home policy.

Depreciated roof?

Roof depreciation can leave you thousands short after a storm. Sola coverage helps fill that gap after wind or hail damage.

Rising premiums?

Raise your wind/hail deductible to lower your homeowners premium, then back it up with a Sola policy so you stay protected.

How a Sola claim works

No adjuster visit. Storm data does the verifying.

  1. 01

    Check for damage

    After a wind, hail, or tornado event, look for leaks, broken windows, or roof damage. If conditions are unsafe, wait until it is clear or call us.

  2. 02

    File in minutes

    Log in to the Sola policyholder portal and click File Claim. Add the event type, date, a short description, and photos. The website chat also accepts claims.

  3. 03

    Storm data is verified

    Sola uses National Weather Service data to confirm storm activity at your address — no adjuster visit. Weather data takes some time to publish, and you are kept updated.

  4. 04

    Get paid fast

    Approved claims are deposited directly into your bank account. No deductible on the Sola policy.

What qualifies in Texas

  • Site-built Texas homes
  • Mobile and manufactured homes
  • Landlord and rental properties
  • Vacation homes and second properties
  • Farms and vacant homes
  • Multiple properties under one owner

Each policy must be issued in the name of an individual — Sola cannot write a wind/hail policy to an LLC or corporation. A five-day waiting period applies from the purchase date.

Get a Sola Wind/Hail Quote Ask Nimbus first

Sola wind/hail coverage is a standalone product offered through Nimbus Insurance & Financial Services. Coverage, eligibility, and payouts are governed by the issued policy. Sola is fully reinsured through A-rated reinsurance carriers out of Lloyd's of London.

Coverage 01

Homeowners Wind & Tornado Coverage

Most Texas homeowners policies include wind and tornado coverage, but the details matter. We review your roof age, deductible, exclusions, and location so a storm does not reveal a gap after the fact.

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Who needs it

Texas homeowners who want their dwelling, belongings, and liability protected when severe wind hits.

What it typically covers

  • · Wind and tornado damage to the dwelling
  • · Roof, siding, windows, and attached structures
  • · Personal property and additional living expenses when included in the policy

What it usually doesn't cover

  • · Flood or storm surge from rising water (separate flood policy)
  • · Wear and tear, deferred maintenance, or an unrepaired roof
  • · Any wind exclusion or higher coastal deductible shown in your policy

Coverage 02

Coastal Windstorm & TWIA Options

Coastal Texas can require a closer look at windstorm protection. We help you understand private carrier options, Texas Windstorm Insurance Association eligibility, certificates, and how the pieces fit together.

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Who needs it

Texas property owners in designated coastal catastrophe areas or locations with limited private-market options.

What it typically covers

  • · Windstorm and hail damage where eligible
  • · Dwelling and other structures limits
  • · Policy options coordinated with your underlying homeowners coverage

What it usually doesn't cover

  • · Flood, storm surge, or rising water
  • · Coverage outside the policy territory or before the effective date
  • · Losses that fall under your underlying policy or an excluded cause

Coverage 03

Renters Wind & Tornado Protection

Your landlord insures the building, not what you own inside it. A renters policy can protect your belongings and give you a place to go if a covered tornado loss makes the unit unlivable.

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Who needs it

Texas renters whose landlord's policy does not protect their belongings or personal liability.

What it typically covers

  • · Furniture, electronics, clothing, and other personal property
  • · Personal liability for covered incidents
  • · Temporary living costs after a covered loss

Coverage 04

Commercial Wind & Hail

A storm can damage the building and interrupt the business at the same time. We compare commercial property options and help align your wind, hail, income, and equipment limits with the way you operate.

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Who needs it

Texas businesses, landlords, contractors, and property owners with buildings or equipment to protect.

What it typically covers

  • · Commercial buildings and business personal property
  • · Business income and extra expense when available
  • · Equipment, tenant improvements, and outdoor property by endorsement

What it usually doesn't cover

  • · Flood or storm surge (separate commercial flood coverage)
  • · Business interruption without a covered physical loss
  • · Maintenance issues or losses outside the policy terms

Frequently asked questions

Ready to make sure you're properly covered?

Get a personalized quote, or upload your current policy and we'll review it for gaps.

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