---
title: "Wind and Hail Deductible: What It Means | Riskado"
description: "A wind and hail deductible is what you pay on a wind or hail claim before insurance pays. It can be a flat amount or a percentage of your dwelling limit."
url: "https://riskado.com/insurance-terms/wind-and-hail-deductible/"
lang: "en"
published: "2026-04-28"
modified: "2026-10-01"
image: "https://riskado.com/og/default.jpg"
alternates:
  es: "https://riskado.com/es/terminos-de-seguros/deducible-por-viento-y-granizo.md"
---

# Wind and hail deductible

[Home and Renters](https://riskado.com/home-and-renters-insurance/) · Updated Oct 1, 2026

A wind and hail deductible is the amount you pay toward a covered wind or hail loss before your insurer pays the rest of the covered amount, within the policy's limits and exclusions. It may be a fixed dollar amount or a percentage of the dwelling limit, and the declarations page and endorsements show which applies.

Also called: wind/hurricane deductible, hurricane/named storm deductible, named storm deductible, windstorm or hail coverage, hurricane deductible

After a storm, three facts decide what you pay: whether this [deductible](https://riskado.com/insurance-terms/deductible/) applies to your loss, whether it is a flat amount or a percentage, and what that comes to in dollars. A percentage deductible is usually figured from the [dwelling](https://riskado.com/insurance-terms/dwelling-coverage/) limit on your [declarations page](https://riskado.com/insurance-terms/declarations-page/), not from the repair bill, so it can be much larger than the standard deductible you are used to, according to [Connecticut Insurance Department Bulletin PC-33 (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/1_bulletins/bulletin-pc-33.pdf). Once you know the amount, check whether flood, storm surge, roof provisions, or other [exclusions](https://riskado.com/insurance-terms/exclusion/) affect the [claim](https://riskado.com/insurance-terms/claim/).

## How a percentage deductible is figured

The [Connecticut Insurance Department post-disaster claims guide (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/1_brochures/claims-disaster-guide.pdf) uses a home [insured](https://riskado.com/insurance-terms/policyholder/) for $250,000 with a 2% wind deductible.

A 2% wind deductible on a $250,000 dwelling limit

Hover or tap a row to highlight it.

| Step | Amount |
| --- | --- |
| Dwelling limit (Coverage A) | $250,000 |
| Deductible ($250,000 × 2%) | $5,000 |
| Covered wind or hail damage | $250,000 |
| You pay | $5,000 |
| Insurer pays ($250,000 minus $5,000) | $245,000 |

The deductible is $5,000 because it comes from the $250,000 insured value, and the same $5,000 would apply to a much smaller repair. If covered damage does not exceed the deductible, the insurer may owe nothing under that coverage. The figures are an official illustration, not an average, and other limits, exclusions, or settlement terms can change the payment.

## The forms a wind and hail deductible can take

Policies handle wind and hail in several ways, and the declarations page and endorsements show which one is yours.

**Fixed dollar amount.** A set figure, such as $500 or $1,000, comes off a covered loss.

**Percentage of the dwelling limit.** In New York, windstorm deductibles commonly range from 1% to 5% of the dwelling value or amount of insurance, according to the [New York Department of Financial Services (opens in a new tab)](https://www.dfs.ny.gov/consumers/help_for_homeowners/insurance/basic_coverage). Because the base is the dwelling limit, raising that limit at renewal also raises the dollar amount.

**A separate named-storm or hurricane deductible.** A named-storm deductible applies when the policy's trigger names a weather event, which can include tropical storms and hurricanes, and a hurricane deductible applies only when its own trigger is met, according to the [NAIC (opens in a new tab)](https://content.naic.org/insurance-topics/hurricane-deductibles). One policy can carry more than one of these, and the trigger decides which applies.

**No separate deductible.** The standard all-peril deductible applies to wind and hail losses.

**A wind or hail exclusion.** The policy does not cover the excluded loss unless coverage is bought separately or restored by endorsement.

A higher deductible generally raises your share of a covered loss and may lower the premium; the size of that change depends on the insurer, the policy, and the location. If your premium went up and you are comparing deductible choices, our guide to a [Connecticut homeowners insurance increase](https://riskado.com/connecticut-homeowners-insurance-increase/) covers what to ask.

## Where you find it

Wind and hail deductibles appear mainly in [homeowners insurance](https://riskado.com/insurance-terms/homeowners-insurance/), condo, renters, and dwelling-fire policies, and sometimes in commercial property policies. Auto policies generally handle wind and hail through comprehensive coverage and its own deductible instead.

Look on the declarations page or deductible schedule, which usually names the deductible and the coverage it applies to, and in the quote, binder, renewal documents, endorsements, and claim letters. The policy's insuring agreement explains what is covered, and its exclusions and conditions can limit payment. If the deductible might apply separately to the dwelling, other structures, [personal property coverage](https://riskado.com/insurance-terms/personal-property-coverage/), and [loss of use](https://riskado.com/insurance-terms/loss-of-use/), ask the insurer, because that changes your total out-of-pocket amount.

## How Connecticut and New York regulate it

Connecticut insurers may not mandate windstorm or hail deductibles, though a policy can include a flat or percentage one, according to the [Connecticut Insurance Department (opens in a new tab)](https://portal.ct.gov/cid/knowledge-base/articles/homeowners-storm-claims). Hurricane deductibles are tightly limited: under [Conn. Gen. Stat. § 38a-316a (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-316a), a qualifying personal or condominium policy may apply one only during a window that starts no earlier than a National Hurricane Center hurricane warning for any part of the state and ends 24 hours after the warning ends or the storm is downgraded, whichever is earlier. Our [Connecticut homeowners insurance guide](https://riskado.com/connecticut-homeowners-insurance/) covers the rest of a Connecticut policy.

In New York, a homeowners or dwelling-fire policy with a hurricane deductible must show both the percentage and its dollar amount on the declarations page, placed near the regular deductible with equal or greater prominence, under [11 NYCRR 74.1 (Regulation 159) (opens in a new tab)](https://govt.westlaw.com/nycrr/Document/I5009e32ccd1711dda432a117e6e0f345). The insurer must also send a notice explaining the deductible, the coverage it affects, its trigger, and when it applies.

## Questions to ask an agent or insurer

1.  What exact event triggers this deductible: wind, hail, tornadoes, hurricanes, named storms, or all of them? The trigger decides which deductible applies to a given storm.
2.  Is it a fixed dollar amount or a percentage, and which limit is it calculated from? A percentage may come from the dwelling limit rather than the repair bill.
3.  What is the current dollar amount of the percentage deductible? The same percentage means a different figure after the dwelling limit changes.
4.  Does the deductible apply separately to each coverage part, or once across all of them? The answer affects your total out-of-pocket cost.
5.  Is wind or hail excluded, and does this policy cover flood or storm surge? Wind coverage does not generally provide flood insurance.

## Frequently asked questions

These come up when comparing a quote or filing a storm claim.

### Is a wind and hail deductible the same as a hurricane deductible?

No. A wind and hail deductible generally applies to wind or hail losses whether or not the storm is a hurricane, while a hurricane deductible applies only when the policy's hurricane trigger is met. A policy can have both.

### Does wind coverage pay for flooding or storm surge?

Generally no. Flood and storm surge are separate coverage issues, and standard homeowners coverage generally does not cover flood damage, according to the [Connecticut Insurance Department (opens in a new tab)](https://portal.ct.gov/cid/consumer-information-center/hurricanes-and-tropical-storms).

### Can it be higher than my regular deductible?

Yes. A policy can use a separate wind or hail deductible that is higher than the standard all-peril deductible, and it may be stated as a percentage. Check the declarations page for both figures.

## Related terms