How Does a Wind Hail Deductible Work?

Living in portions of the country that experience really bad hail storms or high winds can be difficult. When these weather issues start causing damage to your home, it’s possible that you might wind up having to pay out a lot of money to fix damages. 

This may also have an impact on your homeowner’s insurance deductible. Understanding the details might be a bit confusing if you’re not familiar with wind/hail deductibles, but you can read the information below to see how things work.

What Is a Deductible?

You probably already know what a homeowner’s insurance deductible is. When something happens to your home, you’re going to have to pay a deductible, before your insurance company will release funds to cover the damage. How does a wind, hail deductible work? Essentially, it works the exact same way. 

This is simply another deductible that you’re going to have to pay when your home is damaged by either wind or hail. You’ll have to pay out this special deductible to get the funds that you need to make necessary repairs. This might be a bit frustrating for some people, but it’s simply a way that insurance companies keep costs low. Wind and hail claims account for a large portion of total insurance claims each year, and some places have more problems with these issues than others.

Insurance adjuster marked the hail damage

You’re likely going to encounter these wind and hail deductibles if you live in certain areas. Luckily, this isn’t going to be difficult to understand. Many insurance companies make use of these deductibles, and you’ll need to go over the specifics of what the deductibles cost to your insurance provider. Different policies are going to have different deductibles, so it’s something that you’ll need to look into on your own. 

Don’t worry too much about these deductibles being tough to deal with. They work just the same as any other insurance deductible that you’ve encountered in your life. Once things are paid, the process will start moving along, and you’ll be able to complete your insurance claim. It’s just a normal hurdle that you might have to jump when you’re making a claim.