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Why is the deductible so high for wind damage to my home?

I was reviewing my policy details and saw that the deductible for wind damage to my roof is $12,000. This seems outrageous! Is this normal for a homeowner's deductible?

Nov 8, 2023 Howell, NJ

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Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Thank you for reaching out to The Zebra! Every insurance company is a little bit different. They all have different combinations of coverages and deductibles. Sometimes they base your deductible on the dwelling coverage on your home, which is what sounds like happened in your case. Deductibles for wind or hail can be a fixed amount or a percentage of your home's value, so it's possible that the deductible may feel expensive when you see the amount on your policy.

Oftentimes, those who live in a coastal area will be required to have higher deductibles for things like wind, hail, and roof damage. This is because the likelihood of a roof-related claim due to wind is very high in these areas. Windstorm coverage is required in many states, and it's important to understand the details and implications associated with wind damage.

If you are concerned about the amount of your deductible, contact your current company to see if you can lower it. You can also call our agency to get a personalized homeowners quote for you at 888-444-8949 and a Licensed Advisor can take a look at all of the options available to you. I hope this helps!

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