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.
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Compare deductibles
- 1% deductible$4,000
- 2% deductible$8,000
- 5% deductible$20,000
Want to know if your actual policy has this issue?
Upload your declarations page and we'll check your actual wind/hail deductible % — and what it would cost you on a real storm claim. Free, ~60 seconds.
Frequently asked questions
How does a 2% wind/hail deductible work?
Your deductible is 2% of your dwelling coverage (Coverage A), not 2% of the claim. On a $400,000 dwelling limit, a 2% wind/hail deductible is $8,000 out of pocket per storm — even if the hail damage is only $10,000.
Is the wind/hail deductible based on the claim or the dwelling coverage?
The dwelling. Percentage deductibles are calculated off Coverage A, so the deductible stays the same whether the damage is $6,000 or $60,000. This is the single most misunderstood part of percentage deductibles.
What's the difference between a percentage deductible and a flat deductible?
A flat deductible is a fixed dollar amount. A percentage deductible scales with your dwelling coverage — so it grows every time your rebuild cost (and Coverage A) goes up. Percentage deductibles are typical for wind, hail, hurricane, and named-storm claims; flat deductibles cover everything else.
Learn more about wind/hail deductibles
How this is calculated
Percentage deductibles apply to your Coverage A limit, not the damage amount. Damage scenarios are anchored to estimated roof replacement cost, which scales with home size — roughly $20,000 for a $500,000 home and $48,000 for a $1M home. Minor cosmetic damage runs about 35% of a roof; severe storms add interior water on top of the roof. Actual settlements vary by region, roof complexity, and pitch.
More questions
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 high-risk hail zip codes, percentage deductibles may be mandatory at every carrier.
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.
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.
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