Most homeowners policies in this region carry a separate deductible for wind and hail, often written as a percentage of the dwelling limit rather than a flat amount. Here is what that actually costs you after a storm.
Enter your dwelling limit from the declarations page — not your home's market value or what you paid for it.
A percentage deductible is not automatically a bad deal. Accepting one lowers your premium, sometimes considerably, and for a homeowner with a newer roof and savings to cover the gap it can be a sound trade.
It is a bad deal when nobody told you. The common pattern we see is a homeowner who believes their deductible is $1,000, discovers after a hailstorm that storm claims carry 2 percent, and finds the claim barely exceeds it.
Check your declarations page for separate wind, hail or named storm deductibles, then decide deliberately. More on how percentage deductibles work, or compare two policies side by side.
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