Texas homeowner guide
Texas Wind and Hail Deductibles Explained for Homeowners
In Texas, wind and hail deductibles are often shown as a percentage of dwelling coverage. That can make the out-of-pocket cost much larger than homeowners expect after a storm.
This guide is educational only. Read your policy and confirm deductible questions with a licensed Texas agent.
Why percentage deductibles matter
A 2% deductible on a home insured for $400,000 can mean a $8,000 deductible for a covered wind or hail claim. The percentage is usually based on Coverage A, not the repair bill.
What to check on your policy
- Wind/hail deductible percentage
- All-other-perils deductible
- Roof settlement method
- Cosmetic damage exclusions
- Separate coastal windstorm coverage needs
Questions to ask
- Is my wind/hail deductible separate?
- Is roof damage paid at replacement cost or actual cash value?
- Do I need TWIA coverage because of my location?
- Are there roof age or material restrictions?