Wind & hail deductible calculator
A 2% deductible isn’t 2% of the damage. See your deductible in dollars and what your storm claim actually pays.
Percentage deductibles on Texas storm claims
Many Texas homeowners policies use a separate deductible for wind and hail — and on the coast, for named storms — written as a percentage of the dwelling (Coverage A) limit rather than a flat amount. A 2% deductible on a home insured for $350,000 is $7,000, regardless of the size of the loss. That is why storm claims that look large can pay surprisingly little, and why some small roof claims are not worth filing.
- Check the declarations page. It lists the all-other-perils deductible and any separate wind/hail or named-storm deductible.
- The deductible comes off once per occurrence, typically from the replacement-cost total.
- TWIA policies on the coast carry their own windstorm deductible options.
- Interest is calculated on the amount owed after the deductible. Use the result here as the “amount owed” in the statutory interest calculator.
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