Your deductible is the dollar amount you pay out of pocket on each claim before your insurer begins to pay.
Many homeowners policies in storm-prone regions carry a separate, higher deductible for wind/hail damage — sometimes expressed as a percentage of the dwelling coverage (e.g. 1% or 2% of $400,000 = $4,000–$8,000). Check your declarations page for the exact value.
Where you'll see it
- Subtracted from the first check the insurer sends.
- Itemized on the Statement of Loss.
- Reapplied for each separate claim event.