Last reviewed: September 23, 2026
A named storm or wind/hail deductible is a separate percentage-based deductible that applies specifically to storm and hail damage, in place of your homeowners policy's normal flat deductible. It's based on your home's insured value, and it's often a much bigger number than homeowners realize until they actually run it.
Usually a percentage, often 1% to 5%, of your home's insured value rather than a flat dollar figure. On a $400,000 home with a 2% wind/hail deductible, that's $8,000 out of pocket before your policy responds, compared to a standard $1,000 or $2,500 flat deductible for other claims.
Usually wind or hail damage from any qualifying storm, or specifically a named storm like a hurricane, depending on how your policy defines it. Read the actual trigger language on your declarations page, it isn't the same across every carrier.
Know the dollar number, not just the percentage, before a storm hits your area. A lot of homeowners have never calculated what their percentage deductible actually means against their home's insured value until they're filing a claim.
Can I lower this deductible to a flat amount instead? Sometimes, depending on the carrier and your location, usually at a higher premium. Worth comparing the tradeoff against your actual storm exposure.
Does this deductible apply to my roof specifically, or the whole claim? Applies to the whole covered loss from that storm, not just roof damage, though roof damage is often what triggers the claim in the first place.
Send me your declarations page and I'll tell you the real dollar number behind your wind/hail deductible.
— Aaron