Glossary

Wind/hail deductible

A separate amount you pay first, flat or a percentage of the dwelling limit, on damage from wind or hail in place of the standard flat amount.

Also called: wind and hail deductible, windstorm or hail deductible

A wind/hail deductible applies to damage from wind or hail instead of the regular deductible for other losses. Insurers in hail-prone regions often use it, and it is usually larger than the all other perils deductible. It may be a flat amount such as $2,500 or more, or a percentage of Coverage A, commonly 1% to 5%.

Say your dwelling limit is $400,000 and the wind/hail deductible is 1%. That is $4,000. Hail damage to the roof, gutters and siding comes to $11,000, so the policy pays $7,000. Because roofs take most of the damage, a modest hail claim can fall below the deductible, and the practical question is often whether filing is worth it at all.

Two things interact with it. A roof payment schedule or ACV roof endorsement can shrink the payment on top of the deductible, so ask how your insurer applies both. And if a named storm brings the wind, a named storm deductible may apply instead, depending on the wording.

Our guide to wind and hail deductibles shows how insurers set them, and hail damage claims: roofs, siding and windows explains how to document a roof loss.

Last reviewed October 10, 2026

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Related terms

Percentage deductible The share of your insured dwelling limit, rather than a fixed dollar figure, that you pay first on a loss, commonly 1% to 5% for wind, hail or hurricane damage. All other perils deductible The basic amount you pay first on covered losses not subject to a separate wind, hail, hurricane or earthquake figure, listed on your declarations page. Deductible The amount of a covered property loss you pay yourself before the insurer pays the rest, shown on your declarations page as a dollar figure or a percentage. Hail damage Dents, bruises, cracks and punctures that falling ice causes to roofs, siding, windows and outdoor equipment, covered under the windstorm or hail peril. Windstorm The peril of damage from high winds, including hurricanes, tornadoes and thunderstorm gusts, which most policies cover, sometimes with a separate deductible. Roof surfacing payment schedule An endorsement that pays roof damage as a set percentage of replacement cost based on the roof's age and material, not full cost or a depreciation estimate.

Related guides

Colorado home insurance: hail and wildfire Why Colorado home insurance is costly, how hail and wildfire shape premiums, and what state rules on wildfire losses, the FAIR Plan and roof grants mean. Falling tree damage: who pays and when Your own homeowners policy pays for a tree that hits your house, whoever owned the tree. Tree removal is capped, and the tree itself is rarely covered. Farm Bureau home insurance: how membership works Farm Bureau insurers are state-by-state companies tied to farm organizations; you usually join to buy, pay dues on top of premium, and deal with local agents. Hail damage claims: roofs, siding and windows How hail claims are inspected and paid, why the roof settlement, the wind/hail deductible and cosmetic exclusions decide the check, and what to do first. How homeowners insurance deductibles work A deductible is the part of a covered loss you pay before the insurer does. How flat and percentage deductibles work, when each applies and how to size yours. Hurricane and named-storm deductibles explained How hurricane and named-storm deductibles work: what triggers them, how each state sets the window, why they apply once a year and how to lower yours.

Related insurers

COUNTRY Financial Illinois Farm Bureau-affiliated mutual group selling home insurance through its own representatives in 19 states; the 3rd-largest home insurer in Illinois. Kentucky Farm Bureau Insurance Louisville mutual formed in 1943 and Kentucky's second-largest home insurer, sold through Farm Bureau agents in all 120 counties; AM Best cut it to A- in 2025. Mountain West Farm Bureau Insurance Laramie-based Farm Bureau insurer founded in 1948 that sells home, auto and ranch coverage in Wyoming and Montana; Idaho Farm Bureau bought it in 2026. Tennessee Farm Bureau Insurance Tennessee's second-largest home insurer, a Columbia-based mutual rated A+ that sells only to Tennessee Farm Bureau members through local agents. Texas Farm Bureau Insurance Waco-based Farm Bureau insurer, writing in Texas since 1952 through county-office agents; Texas' ninth-largest home insurer, for Texas Farm Bureau members only.

Related states

Arkansas Arkansas home insurance: State Farm and Farm Bureau lead, hail and tornadoes push premiums above average, no FAIR plan, and a new FORTIFIED roof grant program. Kansas Kansas home insurance: State Farm and American Family lead, hail drives claims, contractor assignments are banned since 2026, and the FAIR Plan is the fallback. Kentucky Kentucky home insurance: State Farm and Kentucky Farm Bureau write nearly half, FORTIFIED discounts began in 2026, and nonrenewals need 75 days' notice. Missouri Missouri home insurance: State Farm and American Family lead, hail and the 2025 tornado season drive premiums, and New Madrid quake cover stays rare. Nebraska Nebraska has no FAIR plan. State Farm leads, hail drives a $2,142 average HO-3 premium, and a valued policy law pays full limits on total losses. New Jersey New Jersey home insurance: NJM leads, coastal hurricane deductibles are capped by rule, flood is the big gap, and a small FAIR plan covers what insurers won't.

Related tools

Hurricane and percentage deductible calculator Turn a hurricane, wind and hail, or earthquake percentage deductible into dollars and see what you and the insurer would each pay on a sample loss. Roof claim payout estimator Estimate what a roof claim pays under replacement cost, actual cash value and roof payment schedule settlements, and what you would pay yourself.