WIND & HAIL DEDUCTIBLES

What Is a Wind & Hail Deductible?

A wind or hail deductible is the portion of a claim you are responsible for paying if your home suffers damage from storms. Unlike standard deductibles, wind/hail deductibles are often calculated as a percentage of your home’s insured value.

Example:

• If your home is insured for $300,000 and your wind/hail deductible is 2%, you would pay $6,000 out-of-pocket before insurance coverage kicks in.

Wind or hail deductibles are becoming more common in our region. A loss due to wind or hail can be more extensive yet they don’t occur all the time so this can be a way for a Carrier to offer more competitive pricing overall.

Key Things to Know

• Percentage-Based Deductibles – Many states require wind/hail deductibles as a percentage of the dwelling’s insured value.
• Separate From Standard Deductibles – Wind/hail claims may have different deductibles than fire, theft, or water damage claims.
• Impact on Premiums – Choosing a higher deductible can lower your insurance premiums—but increases your out-of-pocket cost if a claim occurs.
• Coverage Limits – Make sure your policy limits adequately protect your home, roof, and personal property.

Why Work With Bridgeway Insurance Group?

• Personal Guidance – We explain your wind and hail coverage in clear, easy-to-understand terms.
• Policy Review – We’ll review your current insurance to ensure your deductibles and coverage align with your needs.
• Top-Rated Carriers – Access to insurance carriers that specialize in wind and hail protection.
• Customized Solutions – Coverage tailored to your home, location, and risk profile.

Protect Your Home and Finances Today

Understanding your wind and hail deductible is the first step in protecting your home from severe weather. Bridgeway Insurance Group helps homeowners make informed decisions about coverage, so you can weather any storm with confidence.

Bridgeway Insurance Group - Insurance that protects your home, belongings, and peace of mind.