What is Wind/Hail Deductible?
Insurance glossary entry on BeCovered.ai for the term "Wind/Hail Deductible": A separate, often percentage-based deductible applying to windstorm or hail claims in high-risk regions. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
A separate, often percentage-based deductible applying to windstorm or hail claims in high-risk regions.
Understanding Wind/Hail Deductible
Named storm vs generic wind/hail deductibles appear in coastal and plains states. They can be much larger than flat AOP deductibles—check declarations carefully.
Examples
- 2% wind/hail deductible on $400,000 Coverage A equals $8,000 out of pocket per claim.
- Named storm deductible triggers only for hurricanes declared by NWS criteria per policy.
Common Questions About Wind/Hail Deductible
Can I buy down wind deductible?
Sometimes via premium surcharge or separate wind pool—availability varies by state and carrier appetite.
Does wind deductible apply to roof ACV holdback?
Deductible applies to claim settlement math—review adjuster worksheet line items.
Related Insurance Types
Related Terms
Deductible
The amount you pay out of pocket before your insurance coverage kicks in.
Coverage Limit
The maximum amount your insurance company will pay for a covered claim.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.
Exclusion
Specific situations, conditions, or types of damage that your insurance policy does not cover.