Wind and Hail Deductible
Insurance Glossary
A separate deductible that applies to any wind or hail damage, not only to damage from a named storm, and is often stated as a percentage of the dwelling limit. Unlike a hurricane deductible it can be triggered by an ordinary thunderstorm, a tornado or a hail event with no tropical system involved. It appears in hail-prone inland regions as well as coastal ones, and in some areas wind is excluded from the homeowners policy entirely and written through a separate wind pool.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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