The wind / hail deductible is the specific out-of-pocket amount a policyholder is responsible for paying when a covered loss is caused by wind or hail forces (such as a severe thunderstorm, tornado, or hailstorm). The deductible amount is subtracted from the claims settlement when a claim is covered and paid. Agents can view, select, and adjust the wind / hail deductible options within the Coverage tab of the Agent Portal during the quoting process or when modifying an existing policy.
Key Considerations
- Separate From All-Perils: The wind / hail deductible operates independently from the standard All-Perils deductible. It only applies if wind or hail is determined to be the proximate cause of the damage.
- Hurricane Deductibles: Coastal states like Delaware and Virginia have separate, specialized deductibles for hurricane-impacted regions. Learn more about Hurricane Deductibles.
- Deductible Types: Depending on the state and selection, this deductible may be structured as a flat dollar amount (example: $1,000, $2,500) or a percentage of the home’s total dwelling coverage (example: 1%, 2%, or 5%).
Wind & Hail Deductibles by State
When assessing baseline deductibles or quoting policies, refer to the table below. Deductible amounts are split dynamically based on a Replacement Cost Estimate (RCE) threshold of $1,000,000.
For states listed with matching lower and higher values (example: PA, SC, VA, MA, ME, NJ, NM, and AL renewals), the deductible remains flat at $500 regardless of whether the RCE is above or below the $1,000,000 split line.
| State(s) | Lower RCE Deductible (< $1M) | Higher RCE Deductible (≥ $1M) |
|---|---|---|
| AL (New Business) | $5,000 | $15,000 |
| AL (Renewal Business) | $500 | $500 |
| AZ | $2,500 | $5,000 |
| CT | $2,500 | $5,000 |
| DE | $2,500 | $5,000 |
| GA | $5,000 | $15,000 |
| ID | $2,500 | $5,000 |
| IL | $5,000 | $15,000 |
| IN | $5,000 | $15,000 |
| KS | $10,000 | $20,000 |
| KY | $5,000 | $15,000 |
| MA | $500 | $500 |
| ME | $500 | $500 |
| MO | $10,000 | $20,000 |
| MS | $5,000 | $15,000 |
| NH | $2,500 | $5,000 |
| NM | $500 | $500 |
| OH | $5,000 | $15,000 |
| OK | $10,000 | $20,000 |
| OR | $2,500 | $5,000 |
| PA | $500 | $500 |
| SC | $500 | $500 |
| TN | $5,000 | $15,000 |
| UT | $2,500 | $5,000 |
| VA | $500 | $500 |
| WI | $5,000 | $15,000 |
Declining the Wind / Hail Deductible
In several territories, a separate wind / hail deductible is optional rather than mandatory.
- How It Works: If you choose to Decline the separate wind / hail deductible in the Agent Portal, any covered damage caused by a wind or hail event will instead be subject to the policy's standard All Other Perils (AOP) Deductible.
- Where Allowed: The option to decline a separate wind / hail deductible is generally restricted to lower-risk states such as AZ, CT, DE, MA, ME, NH, NM, OR, PA, SC, UT, and VA.
- Mandatory States: In high-risk severe convective storm zones such as AL, GA, IL, IN, KS, KY, MO, MS, OH, OK, TN, and WI, a separate wind / hail deductible is mandatory and cannot be declined, though the threshold amount may be adjusted.
For further assistance, contact us via our webform or Live Chat.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.