The deductible is a percentage of Coverage A
A 2% deductible on a $425,000 home is $8,500 per storm — regardless of claim size. Most homeowners don't know this until the adjuster arrives.
- Model 1%/2%/3%/5% on our wind/hail calculator
- Per storm, per occurrence
- Florida hurricane deductible applies only to named storms; hail has a separate deductible
Roof age and settlement
Carriers now settle older roofs at actual cash value or on a depreciation schedule, or decline outright.
- Roofs > 15 years: expect ACV or schedule
- Class 4 impact-resistant shingles earn 10%–30% credit
- Wind mitigation inspection (FL) is mandatory for discounts
Shopping the 2026 market
Texas and Florida have had double-digit annual increases. Independent agents compare admitted, E&S, and state pool.
- Bundle auto for 10%–20%
- Raise the AOP deductible before raising the wind deductible
- Ask about the roof-age rule before you switch