Be careful of wind and hail coverages on your home insurance


Be very careful about the deductible amounts for your wind and hail insurance coverage. You could be responsible for a very large part of your claim.


Several insurance companies have introduced new deductibles on your homeowners insurance that are a percentage of your dwelling limit.

Every single homeowner’s policy has an all-peril deductible. Most often being $1000. So if you have a claim to your property, you pay the first $1000 and the insurance company will pay the balance of the repairs with wind and hail deductibles.

If you have a wind or a hail claim, which is by the way our most common claim, you may have a percentage deductible. That percentage is oftentimes 1% of the dwelling limit. Let’s do some simple math. If you live in a $400,000 house, 1% looks innocent until you do the math. It’s really a $4000 wind and hail deductible.

Once again remember, wind and hail damage is our most common claim. We highly recommend that you do not have a wind or hail deductible that is a percentage. Have it just be the same $1000 regardless of the incident.

My name is Dennis McMichael, vice president of McMichael Insurance. Now you know me now you know a little more about insurance.

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