Deductibles · Carrier guide
Allstate wind & hail deductibles, by the numbers.
Allstate carries a separate wind/hail or named-storm deductible in most catastrophe-exposed states. The percentage is small; the dollar amount usually isn't. Here's exactly what it costs at the dwelling limits Allstate writes most often.
Real example: $18,000 hail claim, Allstate
| Damage estimate (roof + gutters + siding) | $18,000 |
| Wind/hail deductible (1% of $450k Coverage A) | −$4,500 |
| Depreciation if on ACV (10-yr roof, ~35%) | −$6,300 |
| First Allstate check (ACV) | $7,200 |
On RCV, the depreciation comes back after repair invoices are submitted — but the $4,500 deductible never does.
See your Allstate wind/hail exposure
Upload your Allstate Policy Declarations — we'll pull the deductible percentage, convert it to dollars, and surface whether you can lower it.
Frequently asked
Does Allstate use a percentage wind/hail deductible?
In hail-prone states, yes. Allstate policies in Colorado, Texas, Oklahoma, Kansas, Nebraska, and parts of the Southeast typically carry a 1%, 2%, or 5% wind/hail or named-storm deductible. The percentage applies to your Coverage A dwelling limit, not the claim amount.
What's the difference between Allstate's wind/hail and hurricane deductibles?
The wind/hail deductible triggers on any wind or hail damage, including thunderstorms. The hurricane deductible only triggers on declared hurricanes (in Atlantic and Gulf states). Some Allstate coastal policies have both — meaning hurricane damage triggers the hurricane deductible, but ordinary hail still uses the wind/hail deductible.
Can I get a flat wind/hail deductible with Allstate?
In low-risk areas, often yes. In high-hail zip codes — most of Colorado, the DFW metroplex, and Florida coastal — Allstate generally requires a percentage wind/hail or hurricane deductible. The lever is moving from 5% down to 2% or 1%, which usually raises premium.
Where is the Allstate wind/hail deductible on my dec page?
On the Allstate Policy Declarations, look for the 'Deductibles' section near the top. You'll see your standard deductible (flat dollar) and a separate 'Windstorm or Hail Deductible' line. If that line shows a percentage, multiply by your Coverage A limit to get your real out-of-pocket per claim.
Keep reading
Wind & Hail Deductibles Explained
Percentage deductibles cost more than most homeowners realize.
Read moreDeductiblesPercentage vs Flat Deductible
Side-by-side: what each costs at common dwelling limits.
Read moreDeductiblesFlorida Named Storm Deductible
2%, 5%, 10% — what triggers it and what it costs in dollars.
Read more CalculatorHail Deductible Calculator
Calculate your out-of-pocket exposure per storm.
Try the calculatorGeneral information, not legal or financial advice. RateMyPolicy is not affiliated with or endorsed by Allstate. Deductible availability and structures vary by state, county, and underwriting year.