05/18/2026
Wind or Hail Deductible Changes to Your Homeowners Policy
Here at Robert J. Feest & Associates, we value your business
and want to keep you informed about an upcoming change
impacting the renewal of your Homeowners policy.
Due to Billions of dollars in weather related claims in recent years, Insurance companies have implementing a separate deductible for Wind or Hail losses, which will become effective on your renewal.
Your standard deductible, and your new Wind or Hail deductible
amount can be found on your Home Declaration page under the
Property Deductible section of your Homeowners Renewal Declarations page.
Read your policy every year so you are aware of any changes
and updated coverage limits.
What is a Wind or Hail deductible?
If there is damage to your home due to Wind or Hail, this
deductible is the portion of a covered claim you would pay out of
pocket. This Wind or Hail deductible only applies to damage
caused by Wind or Hail, including tree damage and debris
removal. Your standard property deductible applies to all other
covered losses.
Example: Suppose you have a $500 property deductible and a
$2,500 Wind or Hail deductible on your insurance policy. If a
Hailstorm causes $5,000 worth of damage to your home, the
Wind or Hail deductible would apply. This means you would pay
your $2,500 deductible towards the loss, and your insurance
company would cover the remaining $2,500.
(This example is hypothetical and the deductible amounts
mentioned are not necessarily your actual deductible amounts).
How is a Wind or Hail deductible determined?
The Wind or Hail deductible is determined based on the following
factors: your Coverage A - Dwelling limit, the location of your
home, roof age, and roof type. Wind or Hail deductible will be
reviewed at each renewal to determine the minimum deductible
amount for your policy.
This amount could change at each renewal, so please review
your Homeowners Renewal Declarations every year. Be sure to
call our office If you have additional questions about this change and how it applies to your policy.
Additionally, If your roof is 10 years or older, many companies are
changing your roof valuation from GUARANTEED
REPLACEMENT value to a Depreciated ACTUAL CASH value
basis.
With all of the coverage changes and updates, Insurance can be
extremely confusing, but we are always here to answer your
questions and help you sort through it.
Since 1995, we have always been a Customer Oriented agency,
with an emphasis on super-outstanding service, and that will
never change.
