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.
There are minimum deductibles in effect for the following states
| Alabama | New business quoted on or before 4/7/2026. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
| Arizona | New business quoted on or after 2/4/2025 and renewals generated on or after 2/4/2025. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
| 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 |
| Illinois | New business quoted on or after 12/10/2024 and renewals generated on or after 2/10/2025. |
$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 |
| Kansas | New business quoted on or after 6/26/2025 and renewals generated on or after 7/29/2025. |
$10,000 on policies with an RCE less than $1M $20,000 on policies with an RCE at or over $1M |
|
Kentucky |
New business quoted on or after 2/20/2025 and renewals generated on or after 2/20/2025. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
| Mississippi | New business quoted on or after 7/22/2025 and renewals generated on or after 9/21/2025. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
|
Missouri |
New business quoted on or after 2/19/2025 and renewals generated on or after 2/19/2025. |
$10,000 on policies with an RCE less than $1M $20,000 on policies with an RCE at or over $1M |
|
New Hampshire |
New business quoted on or after 3/25/2025 and renewals generated on or after 5/25/2025. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
| Ohio | New business quoted on or after 3/4/2025 and renewals generated on or after 5/5/2025. |
$5,000 on policies with an RCE less than $1M $15,000 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 |
|
Oregon |
New business quoted on or after 2/26/2025 and renewals generated on or after 2/26/2025. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
|
Pennsylvania MST (TCPN prefix) Policies |
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 |
| 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 |
| Utah | New business quoted on or after 4/16/2025 and renewals generated on or after 6/16/2025. |
$2,500 on policies with an RCE less than $1M $5,000 on policies with an RCE at or over $1M |
| Wisconsin | New business quoted on or after 6/12/2025 and renewals generated on or after 8/12/2025. |
$5,000 on policies with an RCE less than $1M $15,000 on policies with an RCE at or over $1M |
| Georgia | New business quoted on or after 4/16/2026 and renewals generated on or after 6/16/2026. |
$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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