Wind and hail percentage deductibles explained
Last updated · Storm damage & insurance
Short answer: A percentage wind/hail deductible is a percent of your Coverage A dwelling limit (for example, 1% of $400,000 = $4,000), not a flat dollar amount. It can be much larger than a standard all-peril deductible.
Where you see them
Hail-exposed markets — Colorado Front Range, Kansas, North Texas, parts of Minnesota and the Midwest — commonly use separate wind/hail deductibles. Your declarations page should list which deductible applies to which peril.
Before you file
Get a ballpark repair/replacement range (our free estimator is a start; an in-person inspection is better). If the repair is near or below the percentage deductible, filing may not make financial sense — especially in states where claims history affects future underwriting.
This is general consumer information, not legal or insurance advice. Coverage, deadlines, and rates depend on your policy, your insurer, and your state's laws. Check your policy and contact your state's Department of Insurance if you have questions.
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Frequently asked questions
Is a 2% deductible always 2% of the claim?
No. It is typically 2% of the dwelling coverage limit, regardless of a smaller claim amount.
Can I lower my percentage deductible?
Sometimes, by shopping carriers or changing options — usually with a premium tradeoff. Ask your agent.
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Sources
- Texas Department of Insurance: Will my premium go up if I file a claim?. www.tdi.texas.gov/tips/will-my-premium-go-up-claim.html
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.