What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

What is a percentage wind/hail deductible?

A deductible expressed as a percentage of your insured building or dwelling limit rather than a flat dollar amount. A 2% deductible on a $500,000 limit is $10,000 out of pocket before the carrier pays. Common Texas options are 1%, 2%, 3%, and 5%.

Does the percentage apply to the claim amount or the insured value?

The insured value. This is the most common misunderstanding. A 2% deductible on a $30,000 hail claim against a $500,000 building is still $10,000, not $600.

Is the Florida hurricane deductible calculated the same way?

Yes, as a percentage of Coverage A (the dwelling or building limit), commonly 2%, 5%, or 10%. It applies only to named-storm losses; a separate all-other-perils deductible applies to everything else.

Does a lower percentage always cost more premium?

Usually, but the premium difference between 1% and 2% is often smaller than owners expect, while the out-of-pocket difference is large. We model both sides in a coverage review.

Texas Wind/Hail Deductible Calculator

Your deductible is a percentage of the insured value, not of the claim. Enter your building or dwelling limit and see what you'd owe at each common percentage, next to a flat deductible for comparison.

Building or dwelling limit ($)

Use the Coverage A / building limit from your declarations page, not the market value.

Flat deductible to compare ($)

Optional: estimated storm loss ($)

If you enter a loss, the table shows what the carrier pays after each deductible.

Number of buildings (per-building deductible)

Deductible	You pay first	Carrier pays on your loss	All buildings

Illustrative math only. Your policy's deductible basis, per-building versus per-occurrence wording, and roof settlement terms decide the real number. This tool stores nothing and sends nothing.

Why the Percentage Matters More Than the Premium

Most owners choose a deductible by looking at the premium difference. The right way is to look at the out-of-pocket difference on your own building, then decide whether the premium saving is worth carrying that much of the first loss yourself.

Flat vs. percentage. The "$2,500 deductible" on the front of a Texas property policy almost always applies to fire, theft, and all other perils. Wind and hail carry their own percentage deductible.
Per building. Multi-building owners often discover the deductible applies to each building in the same storm, not once per event.
Roof settlement. A low deductible does nothing if the roof is settled at actual cash value or subject to a roof-age schedule. Read the endorsements with the deductible.
Florida named-storm. Same math, different trigger: the hurricane deductible applies to named-storm losses only and is commonly 2%, 5%, or 10% of Coverage A.

Want the Real Number From Your Own Policy?

Send us your declarations page. We'll confirm the deductible basis, model your exposure, and shop 30+ carriers for a lower percentage or a flat-dollar wind deductible where one is available. No pressure, no runaround.

Run Your Coverage Diagnostic