Where do I find the wind or hail deductible on my policy?

Start with the declarations page, then check any windstorm, hail, named-storm, hurricane, roof-surface, or special deductible endorsements. ReadMyPolicy can surface the deductible language from the policy text you paste or upload.

Is a wind/hail deductible always the same as my main deductible?

No. The policy data ReadMyPolicy tracks includes separate wind/hail deductibles, percentage-based named-storm or hurricane deductibles, and roof actual-cash-value schedules as common gaps in several regions.

What does ReadMyPolicy show me after I paste the policy?

The report summarizes covered items, exclusions, gotchas, deductibles, limits, and questions to bring to your licensed agent, using the policy language you submit.

Homeowners policy deductible check

Check for a separate wind, hail, or named-storm deductible

Many policies bury separate deductibles for wind, hail, or named storms. ReadMyPolicy's sample homeowners output flags a 5% named-storm deductible on $385K dwelling coverage: $19,250 out of pocket before coverage starts. For context, this policy check is $9.99.

Sample output

Deductibles. Standard deductible is $2,500 for most claims, but named storms carry a separate 5% deductible ($19,250 on your $385K dwelling). Wind/hail has a $5,000 sub-deductible in addition to the standard amount.
Gotcha. Named storm deductible is 5% ($19,250) — not the standard $2,500
Follow-up. Ask your licensed agent to point to the exact endorsement or declarations-page line that controls wind, hail, named storm, and roof-surface claims.

Illustrative example from ReadMyPolicy's sample homeowners report. Real output is generated from the policy text you paste or upload.

Drop in your policy

Stripe-secured·Report in ~30s·Refund if we can't parse it

By continuing you agree to our Terms and understand this is an AI-generated informational summary that may contain errors. AI can be wrong even when it sounds confident. You are responsible for verifying the output and for any decision you make based on it. Not legal, financial, insurance, or professional advice.

Informational only; not legal, financial, or insurance-professional advice.

What to look for before a storm claim

The expensive part is usually not the word "deductible" by itself. It is whether the policy switches from your normal flat-dollar deductible to a separate percentage, roof schedule, or weather-specific endorsement.

Named storm

Named-storm or hurricane deductibles that are percentage-based (often 2–5% of dwelling coverage), not flat-dollar — easy to miss on the declarations page.

Wind or hail

Wind/hail deductibles stated separately from the main deductible, especially in coastal and tornado-prone counties.

Roof payout

Roof surface coverage written at actual cash value (ACV) rather than replacement cost, reducing payouts on older roofs.

How to run the check

1Paste or upload the declarations page and the homeowners policy form. Include endorsements if your carrier provides them separately.
2Read the deductibles, gotchas, and limits sections in the report. Look for weather-specific wording, roof ACV schedules, flood exclusions, and claim-window language.
3Take the report's follow-up questions to your licensed agent before renewal, before filing a claim, or before assuming a roof loss will be handled under the main deductible.

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