Understanding Windstorm Deductibles BEFORE The Storm Could Save You Thousands

Homeowners’ policies in areas susceptible to heavy windstorms often include a windstorm deductible. Sadly, many insurance consumers don’t understand how a windstorm deductible works. If you live in an area prone to hurricanes, it’s important to understand how your policy deductible works.

What is a Windstorm Deductible?

A windstorm deductible is a separate deductible applied only to damage caused by high winds. In most cases, the windstorm deductible is a percentage of the home’s insured value. For example, if your dwelling coverage is $500,000 and you have a 2% windstorm deductible, you’ll pay the first $10,000 of your windstorm damage before insurance coverage kicks in; likewise, if you have a 5% windstorm deductible, you’ll have coverage after the first $25,000 in wind damage.

Can I increase my windstorm deductible?

Just like increasing your “regular” deductible for other covered losses will reduce your premium, the more you’re willing to risk in your deductible, the lower your premium will be. Likewise, some carriers will allow you to reduce the windstorm deductible — for an additional premium — but you’ll pay a higher premium for this tradeoff.

There are many reasons to look at your homeowners’ insurance coverage now, not the least of which is that we’re in Hurricane Season! Other reasons could include rampant inflation probably has increased the replacement value of your home, and you could be uninsured, many carriers have increased rates, or perhaps it’s time to check up on your YOUR homeowners’ carrier to make sure they carry at least an A rating from AM Best and are admitted to do business in your state.

Strength Brokerage is an independent insurance agency licensed to do business in New York, New Jersey, and Pennsylvania for auto, home, business, and life insurance. For more information, you can contact our office.

If you want a quote on your homeowners’ insurance or a second look at what you have now, you can get a quote from us below.


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Are you ready to save time, aggravation, and money? The team at Strength Brokerage is here and ready to make the process as painless as possible. We look forward to meeting you!

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