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Wind and Hail Deductible

A wind and hail deductible applies only to wind and hail claims and is often shown as a percentage of your dwelling limit rather than a flat dollar amount. It is common in storm-prone areas.

A separate deductible that applies only to wind and hail claims, often shown as a percentage of the dwelling limit instead of a flat dollar amount. Common in storm-prone regions. Example: a $400,000 dwelling with a 2 percent wind-hail deductible owes $8,000 out of pocket on a hailstorm roof claim, even if the rest of the policy uses a $1,000 flat deductible.