This deductible refers to the out-of-pocket expense that the customer will pay towards damages or a loss in the event of a covered loss caused by wind or hail. The deductible amount is subtracted from the claims settlement when a claim is covered and paid.
- Virginia: The Wind / Hail Deductible will be initially the same as the Hurricane Deductible when quoting. It may be subject to a minimum deductible ($5,000 or $10,000, depending on the coastal zone). It also may not exceed over 10% of the Replacement Cost Estimate (RCE).
- Delaware: The Wind / Hail Deductible for homes in coastal zones will be set in dollars. Coastal Zones 1-3 will have a minimum deductible of $10K, and Coastal Zone 4 will have a minimum deductible of $5K.
- Georgia: Agents can decline the separate Wind / Hail Deductible by checking the box on the Coverage tab in the portal. When the box is checked, the standard peril deductible will be applied to covered losses.
The separate Wind / Hail Deductible is required in the following Georgia counties
- Bryan
- Camden
- Chatham
- Glynn
- Liberty
- McIntosh
There are minimum deductibles in effect for the following states
| State | Effective Date | Minimum Deductibles |
| Connecticut | New business quoted on or after 5/2/2024 and renewals generated on or after. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
| Delaware | New business quoted on or after 8/5/2024 and renewals generated on or after. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
| Pennsylvania | New business quoted on or after 6/3/2024 and renewals generated on or after 2/10/2025. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
| Oklahoma | New business quoted on or after 10/31/2024 and renewals generated on or after 1/21/2025. |
$10,000 on policies with an RCE less than $1M $20,000 on policies with an RCE at or over $1M |
| Tennessee | New business quoted on or after 11/12/2024 and renewal business quoted on or after 1/12/2025. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
| Indiana | New business quoted on or after 11/14/2024 and renewal business quoted on or after 1/14/2025. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
| Illinois | New business quoted on or after 12/10/2024 and renewals generated on or after 2/9/2025. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
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