Understanding Your Wind/Hail Deductible

What Is a Wind/Hail Deductible?

A wind/hail deductible is a separate deductible that applies specifically to damage caused by wind or hail. It's often higher than your standard homeowner's deductible and may be calculated differently.

Types of Deductibles

Flat Dollar Deductible

A fixed amount, like $1,000 or $2,500, regardless of your home's value.

Percentage Deductible

A percentage of your dwelling coverage. For example:

• Home insured for $300,000
• 2% wind/hail deductible
• Deductible amount: $6,000

Percentage deductibles are common in hurricane-prone and hail-prone states.

Where to Find Your Deductible

Your deductible information is on your:

• Declarations page (front page of your policy)
• Policy jacket (detailed terms and conditions)

Look for separate line items for:

• Standard deductible / All other perils
• Wind/hail deductible
• Hurricane deductible
• Named storm deductible

States With Common Percentage Deductibles

Percentage wind/hail deductibles are common in:

• Texas (1-2%)
• Florida (2-5% hurricane)
• Oklahoma (1-2%)
• Colorado (1-2%)
• Louisiana (2-5% hurricane)

Planning for Your Deductible

Understanding your deductible helps you:

• Decide if filing a claim makes financial sense
• Budget for out-of-pocket costs
• Consider financing options
• Evaluate your insurance policy at renewal

Key Takeaways

• Wind/hail deductibles are often separate and higher than standard deductibles
• Percentage deductibles can be thousands of dollars depending on your home value
• Check your declarations page to know your exact deductible
• Factor your deductible into repair cost calculations before filing a claim