06/10/2026
🌪️ Your “regular deductible” might NOT be the one that applies after a storm.
A lot of homeowners know their home insurance deductible is $1,000, $2,500, or maybe $5,000…
But here on the Grand Strand, many policies also have a separate Wind/Hail deductible — and that one can be very different.
Sometimes it’s a flat amount.
Sometimes it’s a percentage of your dwelling coverage.
Example:
If your home is insured for $400,000 and your wind/hail deductible is 2%, your out-of-pocket deductible could be $8,000.
Before storm season, check your policy for:
✅ Your regular deductible
✅ Your wind/hail deductible
✅ Whether the deductible is a flat dollar amount or percentage
✅ Roof coverage — replacement cost vs. actual cash value
✅ Flood coverage — because flood is usually separate
Don’t wait until a storm is already named and headed our way. By then, options may be limited.
If you’re not sure what your policy says, send me a message. I’ll help you review it and make sure you understand what you actually have.
