Wind & Storm
Wind/Hail Deductible
A separate, usually percentage-based deductible for wind and hail claims — often much larger than the flat deductible on the rest of the policy.
In wind- and hail-exposed states, many homeowners policies carry a separate wind/hail deductible instead of the flat dollar deductible that applies to other claims. It's usually written as a percentage of the dwelling coverage limit (commonly 1%, 2%, or 5%) rather than a flat dollar figure, and it applies specifically to wind and hail losses.
On a $400,000 dwelling limit, a 2% wind/hail deductible is $8,000 out of pocket before coverage kicks in — versus the $1,000–$2,500 flat deductible that same policy likely carries for a non-wind claim like a burst pipe.
Why it matters
- A percentage deductible scales with the dwelling limit, so raising Coverage A to match true rebuild cost also raises the dollar deductible on a wind claim.
- It's easy to read a policy's deductible line, see the flat number, and miss the separate wind/hail percentage buried in the declarations page.
- In hurricane-prone states this is sometimes called a hurricane or named-storm deductible instead — a related but distinct trigger (see Named Storm Deductible).
How CoverGuard uses this
CoverGuard's Wind/Hail Deductible calculator (in the persona toolkit) converts a percentage deductible into the actual dollar exposure against a given Coverage A limit.
Related terms
Named Storm Deductible
A separate, higher deductible that applies only once a storm is officially named by NOAA — common along hurricane-exposed coastlines.
Coverage A (Dwelling Coverage)
The dollar limit a homeowners policy pays to rebuild the structure itself — properly set to rebuild cost, not market value.
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