Hail claim guide
What a 1%, 2% or 5% hail deductible really costs
Percentage deductibles in dollars for common dwelling coverage amounts, and when they cost more than a flat deductible.
A percentage deductible is a share of your dwelling coverage (Coverage A on your declarations page), not a share of the damage. Insurers in hail-prone states often apply a separate wind/hail deductible, commonly 1% to 5%, while other claims keep a flat deductible.
Percentage deductibles in dollars
| Dwelling coverage | 1% | 2% | 3% | 5% |
|---|---|---|---|---|
| $150,000 | $1,500 | $3,000 | $4,500 | $7,500 |
| $250,000 | $2,500 | $5,000 | $7,500 | $12,500 |
| $350,000 | $3,500 | $7,000 | $10,500 | $17,500 |
| $500,000 | $5,000 | $10,000 | $15,000 | $25,000 |
| $750,000 | $7,500 | $15,000 | $22,500 | $37,500 |
When it costs more than a flat deductible
A 1% deductible matches a flat $2,500 deductible at $250,000 of coverage; above that it costs more. At 2%, a $350,000 home carries a $7,000 deductible: a hail repair under that amount pays nothing, even though the same damage on a flat $1,000 policy would pay all but $1,000.
Because the deductible follows the home's insured value, it rises every time coverage is increased for inflation at renewal, even if the roof never changes.
Not insurance advice. Examples are arithmetic on stated assumptions. Your policy's terms decide what is paid; ask your agent or a licensed public adjuster.