What is a wind/hail deductible?
A wind/hail deductible applies only to losses caused by wind or hail. It’s separate from your “all perils” deductible and can be higher.
Percentage vs flat
Percentage deductibles (e.g., 1–5%) are a percent of Coverage A (dwelling). Flat deductibles are a set dollar amount. Percentage deductibles can be large on high Coverage A values—plan for that out‑of‑pocket risk.
Where they’re common
Coastal states and hail‑prone regions often use percentage deductibles. Review your policy carefully if you live in hurricane or severe‑storm corridors.
How to choose
- Balance premium savings vs. your emergency fund.
- Consider roof age/material; higher deductibles shift more cost to you.
- Ask if impact‑resistant shingles qualify for credits that offset a lower deductible.
Use our estimator to see how changing Deductible interacts with other factors. Start on the homepage or jump to your state page.
FAQs
Is wind/hail deductible separate from hurricane deductible?
Some policies separate them; others treat hurricane as a subset. Your policy’s definitions control.
Can I buy it down?
Many carriers offer options; the pricing impact varies by state and carrier.