In severe wind or hail prone states, special deductibles may apply for property insurance claims. Wind or hail deductibles are separate, higher deductible provisions that apply to losses caused by wind or hail. They’re most often seen in Midwestern states and Tornado Alley (from North Dakota down through Nebraska, Oklahoma and Texas).
Wind or hail deductibles are different in that they’re often expressed as a percentage of the value of the insured property. Typically, these percentages range from 1-5%, according to the Insurance Information Institute. In a homeowners’ insurance policy, wind or hail deductibles are usually expressed as a percentage of the dwelling limit, rather than as a flat dollar limit.
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