Q: What is a wind deductible?

A: Since the storms & hurricanes of the 1990’s, insurance companies have imposed special policy wind/hail deductibles on dwellings and other buildings in coastal areas. The deductibles are usually expressed as a percentage of the building limit. The deductibles range from 1—5% depending on the insurance company and your home’s proximity to coastal waters. This means that a building limit of $350,000 with a 2% wind/hail deductible will have a $7,000 deductible. Deductibles can also be expressed as a flat amount such as $10,000 or $25,000. These deductibles apply every time the wind blows or due to a hail event.

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