Hail / Wind Deductible Calculator
See exactly what a 1%, 2%, or 5% hail deductible costs you out of pocket — across the damage scenarios most common after a Colorado, Kansas, or Wyoming storm.
Your inputs
Compare deductibles
- 1% deductible$4,000
- 2% deductible$8,000
- 5% deductible$20,000
How this is calculated
Percentage deductibles apply to your Coverage A limit, not the damage amount. Damage scenarios use rough industry benchmarks: cosmetic ~4% of dwelling, full roof replacement ~12%, severe roof + interior water ~25%. Actual settlements vary by region, roof complexity, and interior involvement.
Don't get caught with a 5% deductible.
An independent advisor can shop carriers with lower or flat-dollar wind/hail deductibles — often without raising your premium.
Frequently asked questions
How does a percentage hail deductible work?
Instead of a flat dollar amount, your deductible is a percentage of your dwelling coverage. On a $400,000 Coverage A with a 2% hail deductible, you'd pay $8,000 out of pocket before the carrier pays anything on a hail claim.
Is a 1% or 2% hail deductible better?
A lower deductible means more out-of-pocket protection but a higher premium. In hail-prone states (Colorado, Texas, Wyoming, Nebraska), a 1% deductible often pays for itself after one storm. In low-risk areas, 2–5% can save meaningful premium.
Does my hail deductible apply to siding and gutters too?
Usually yes — most carriers' wind/hail deductible applies to any wind- or hail-caused damage anywhere on the dwelling, not just the roof. Check your declarations page wording carefully.
Can I avoid a percentage deductible?
Some carriers offer a flat-dollar wind/hail deductible at higher premiums, especially through independent agents who can shop. In some regions, percentage deductibles are mandatory for all hail-exposed risks.
Why did my hail deductible go up?
After multiple storm seasons, carriers raise minimum percentage deductibles statewide. A 1% deductible in 2020 may be 2% or 5% today, sometimes without a clear notice on renewal.