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wind or hail deductible

A wind or hail deductible is a separate, higher deductible provision that applies to loss caused by wind or hail.

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Often, the deductible is expressed as a percentage of the value of the property or, in a homeowners policy, as a percentage of the dwelling limit, rather than as a flat dollar amount. In some Atlantic and Gulf Coast states, insurers have filed a variation of this deductible that applies an even higher percentage deductible in the event of loss from a "named storm," such as a hurricane.