Roof Insurance Deductibles in 2026: Wind, Hail, and Percentage Deductibles
Standard vs. wind/hail vs. percentage deductibles — how they change your out-of-pocket cost on a roof claim.
In hail-belt and coastal states, insurers replaced flat deductibles with percentage deductibles — often 1–5% of your dwelling coverage. On a $400,000 home that's $4,000–$20,000 before the insurer pays a dollar.
Standard (all-perils) deductible
A flat dollar amount ($500–$5,000) applied to every non-weather claim. This is what most inland homeowners have.
Wind/hail deductible
A separate, usually higher deductible triggered only by wind or hail claims. Common in TX, OK, KS, CO, MO, NE. Often 1–2% of Coverage A.
Hurricane / named-storm deductible
Applies only when NOAA names a storm. FL, LA, SC, NC, TX Gulf Coast, and NY coastal counties commonly attach 2–5% deductibles.
Math example
$500,000 dwelling coverage, 2% wind/hail deductible = $10,000 out of pocket before the insurer pays. A $22,000 roof claim nets you $12,000 (before depreciation).
Frequently Asked Questions
- Can I buy down a percentage deductible?
- Yes in most states — but the premium hit is steep (20–40%). Usually only worth it if your roof is nearing end of life.
Pillar guide: Roof Insurance & Claims
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