Many homeowners’ policies include a separate windstorm deductible, especially in coastal or higher-risk areas. Instead of a flat dollar amount, this deductible is often calculated as a percentage of your home’s insured value, typically ranging from 1% to 5%.
That means a $400,000 home with a 2% windstorm deductible would require you to pay $8,000 out of pocket before insurance coverage applies. If your deductible is 5%, that number jumps to $20,000. This can come as a surprise to homeowners who are used to standard deductibles of $1,000 or $2,500.
It is also important to understand when this deductible applies. Windstorm deductibles are usually triggered by specific events, such as named storms or hurricanes, depending on how your policy is written. In some cases, it may apply to all wind-related damage, while in others it is limited to officially declared storms.
Because of this, reviewing your policy details is critical. Make sure you know the percentage amount of your windstorm deductible, when it applies and how it differs from your standard deductible. This is one of the most commonly misunderstood parts of hurricane coverage, and one of the most important to get right before a storm hits.
Hurricane season impacts New England more than many homeowners expect. From flooding to wind damage, preparation is key. Learn how to review your insurance, protect your property, and stay safe before, during, and after a storm.
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