Find your exact Wind/Hail %
Look under the Deductibles section of your policy declarations page. Many policies list a $1,500 All-Peril deductible alongside a separate 1% or 2% Wind/Hail deductible.
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Roof storm claims · 1% to 5% Coverage ARoof hail deductible calculator
Convert a 1%, 1.5%, 2%, 3% or 5% wind and hail deductible on your Coverage A dwelling limit into a dollar amount, compare it against your roof and gutter replacement estimate, and see what the insurer will actually pay on an RCV or ACV policy.
This page is for a roof hail or wind claim. For a hurricane or named-storm deductible on the whole house, use the hurricane and wind deductible calculator.
Reviewed 25 October 2026 · Written by Mantu Kumar
Written and maintained byMantu Kumar
Evidence review14 October 2026
Calculation rulesRead the methodology
Quality standardEditorial policy
Key facts at a glance
- A percentage wind/hail deductible is calculated as a percentage of your Coverage A dwelling limit, not a percentage of the roof repair bill.
- On a $350,000 Coverage A policy, a 1% deductible is $3,500, a 2% deductible is $7,000, and a 5% deductible is $17,500.
- In hail-prone states (TX, CO, OK, KS, NE, MN), 2% wind/hail deductibles are now standard on most renewals.
- Collateral storm damage to gutters, downspouts, window screens and fence staining is part of the same occurrence and helps exceed the deductible.
- Upgrading to UL 2218 Class 4 impact-resistant shingles can reduce wind/hail premiums by 10% to 28% in many states.
Sources: National Association of Insurance Commissioners (NAIC), Insurance Information Institute (III), and Texas Department of Insurance (TDI).
2026 planning ranges
- 1Dwelling limit (Coverage A)
- 2Percentage: 1%, 2% or 5%
- 3Deductible in dollars
- 4Roof claim amount
- 5What the policy pays
- 6Same claim, flat deductible
- 7Collateral hail damage
- 8Class 4 shingles
- 9Permit + code items
Wind & hail percentage deductible & claim payout estimator
No email · nothing sentDiagram, part by part
Wind and hail percentage deductible: every numbered part explained
The wind and hail percentage deductible drawing above has 9 numbered parts, from Dwelling limit (Coverage A) to Permit, dumpster and code items. Each card below frames one of them, with what to check on a quote or claim.
1 Dwelling limit (Coverage A)
Your input
Coverage A is the dwelling limit on your policy, the most it will pay to repair or rebuild the house itself. A percentage deductible is calculated from this number, not from the size of the claim.
What moves it: Your declarations page and any inflation adjustments at renewal.
On the quote: Read the Coverage A limit on your current declarations page.
2 Percentage: 1%, 2% or 5%
Common: 1%, 2% or 5%
In hail-prone and coastal states, many policies carry a separate wind or hail deductible set as a percentage of Coverage A, often 1%, 2% or 5%. Other perils still use the flat deductible.
What moves it: Your state, insurer and the option you chose at purchase.
On the quote: Check whether your policy has a separate wind or hail deductible and what triggers it.
3 Deductible in dollars
Shown in your result
The percentage times the dwelling limit gives the deductible in dollars. On a $450,000 home, a 2% deductible is $9,000 before the insurer pays anything.
What moves it: Coverage A and the percentage.
On the quote: Work out the dollar figure before a storm, so you can budget for it.
4 Roof claim amount
Shown in your result
The roof claim is the approved cost to repair or replace the damage, including underlayment, flashing, vents, permits and collateral damage from the same storm.
What moves it: Roof size, material and the damage found.
On the quote: Get the adjuster's estimate in writing and compare it line by line with your roofer's.
5 What the policy pays
Claim − deductible
What the policy pays is the approved claim minus the deductible, and on an actual cash value roof schedule, minus depreciation too.
What moves it: Claim amount, deductible and the roof settlement type.
On the quote: Compare the payout with the cost to repair and ask whether depreciation applies.
6 Same claim, flat deductible
For comparison
With a flat deductible, such as $1,500, much more of the same claim would be paid. The comparison shows what the percentage deductible costs you on one storm.
What moves it: The flat deductible on your policy.
On the quote: Ask your agent the premium difference for a flat deductible at renewal.
7 Gutters, screens and soft metals
Added to the same claim
Hail that damages a roof often dents gutters, downspouts, window screens, vents and siding. Adding this collateral damage to the same claim can push the total well past the deductible.
What moves it: How much else the storm hit.
On the quote: Photograph dents on gutters, vents and screens and ask that they be added to the estimate.
8 Class 4 impact-resistant shingles
May earn a discount
Shingles rated Class 4 under UL 2218 resist hail better, and in some states insurers give a premium discount for them. They cost more than standard architectural shingles.
What moves it: Your state, insurer and the shingle chosen.
On the quote: Ask your insurer whether a Class 4 roof earns a discount and what proof they need.
9 Permit, dumpster and code items
$350–$850
Permits, disposal and code-required items such as drip edge or ice barrier belong in the claim. Some of these are paid only if you have ordinance or law coverage.
What moves it: Your town and the local code.
On the quote: Ask the roofer to list code-required items separately for the adjuster.
Before you file a storm claim
See how Coverage A, collateral damage and roof age interact
Most homeowners discover their wind/hail percentage deductible only after a storm hits. Check these three items before calling the claim center.
Zoom in on three spots in the photo: these are the lines a wind and hail percentage deductible bid should spell out. These close-ups are crops of the same AI-generated illustration.
Count gutters, screens and vents
An adjuster's scope includes dented aluminum gutters, downspouts, box vents, chimney caps and window screens damaged in the same hailstorm.
Price impact-resistant shingles
Ask your contractor for both a standard architectural shingle quote and a UL 2218 Class 4 quote, then ask your agent for the annual premium credit.
Before you sign a quote or file a claim, verify these three details
- Coverage A limit
- Multiply your exact Coverage A dwelling limit by your wind/hail percentage (1%, 2%, 3% or 5%)
- Settlement basis
- Confirm whether your roof has full Replacement Cost (RCV) or an Actual Cash Value (ACV) payment schedule
- Cosmetic hail clause
- Check whether your policy excludes cosmetic denting on metal roofs, gutters or soft metal flashing
On this page
- How percentage deductibles work
- When ACV schedules combine with hail deductibles
- Collateral damage & deductible laws
- Class 4 shingle upgrade payback
- Hail roof claim cost by region
- What “Roofing material” does to the price
- What “Collateral hail damage (same storm)” does to the price
- How age changes the hail roof claim claim payout
- Claim checklist: 6 items after a hail storm
- How a hail claim usually runs
- Sources and further reading
- Frequently asked questions
How a wind and hail percentage deductible is calculated
Unlike a flat $1,000 or $2,500 all-peril deductible, a wind and hail percentage deductible is tied to your home's Coverage A dwelling limit—the insured reconstruction value of the entire house shown on your declarations page. If your home is insured for $400,000 with a 2% wind/hail deductible, your deductible is $8,000 ($400,000 × 0.02), regardless of whether the roof replacement costs $12,000 or $30,000.
| Coverage A Dwelling Limit | 1% Deductible | 1.5% Deductible | 2% Deductible | 3% Deductible | 5% Deductible |
|---|---|---|---|---|---|
| $250,000 | $2,500 | $3,750 | $5,000 | $7,500 | $12,500 |
| $350,000 | $3,500 | $5,250 | $7,000 | $10,500 | $17,500 |
| $450,000 | $4,500 | $6,750 | $9,000 | $13,500 | $22,500 |
| $600,000 | $6,000 | $9,000 | $12,000 | $18,000 | $30,000 |
| $800,000 | $8,000 | $12,000 | $16,000 | $24,000 | $40,000 |
Because Coverage A inflation guards automatically raise your dwelling limit by 4% to 8% at each annual renewal to track construction costs, a percentage deductible quietly increases every year even if you never change your policy. A homeowner who bought a policy with a 2% deductible on a $280,000 limit ($5,600) five years ago may now carry a $385,000 limit—pushing the hail deductible to $7,700 without a separate notice.
The double hit: when a 2% hail deductible meets an ACV roof schedule
The largest surprise in modern storm claims happens when a policy combines a 2% wind/hail deductible with an Actual Cash Value (ACV) roof payment schedule on roofs over 10 to 15 years old. Under an ACV schedule, the insurer subtracts non-recoverable age depreciation from the roof estimate first, and then subtracts your wind/hail percentage deductible from what remains.
For example, suppose a 24-square architectural shingle roof is quoted at $16,500 after a hailstorm. If the roof is 14 years old (50% depreciated on a 28-year schedule), the ACV is $8,250. Subtracting a 2% deductible on a $350,000 home ($7,000) leaves an insurance check of only $1,250—meaning you pay $15,250 out of pocket and put a storm claim on your CLUE loss history for a $1,250 net recovery. Always run the calculator above before filing to verify that your net payout clearly exceeds the 3-to-5-year premium surcharge risk.
Why collateral damage and anti-rebating laws matter
Hailstorms rarely damage shingles alone. When an adjuster inspects the property, one single wind/hail deductible applies to the entire storm occurrence across all covered structures. If the same hailstorm dents 160 linear feet of seamless aluminum gutters ($1,800–$3,200), tears eight window screens ($480–$900), dents metal box vents and soft-metal chimney flashing ($650–$1,400), and strips paint from a wood fence ($900–$2,200), those collateral line items add $3,800 to $7,700 to the total claim scope—helping absorb a high percentage deductible.
Warning on contractor "deductible waivers": States including Texas (Tex. Ins. Code § 707.002), Colorado, Oklahoma, Nebraska, and Florida strictly prohibit roofing contractors from waiving, rebating, or absorbing a homeowner's insurance deductible. On a Replacement Cost Value (RCV) claim, the insurer holds back recoverable depreciation until you submit a final invoice and proof that the full deductible was paid. If a contractor submits a lower invoice to "eat" your deductible, the insurer simply reduces the final depreciation check dollar-for-dollar.
Does upgrading to Class 4 impact-resistant shingles pay for itself?
UL 2218 Class 4 impact-resistant shingles (made with SBS rubberized asphalt or reinforced fiberglass mats) typically add $60 to $110 per roofing square ($1,400 to $2,600 on a 24-square roof) over standard architectural shingles. In hail-belt states, insurers offer annual premium discounts of 10% to 28% ($300 to $900 per year) for a verified Class 4 installation, allowing the upgrade to pay for itself in 3 to 5 years—provided you check that the carrier does not attach a cosmetic hail damage exclusion to the new roof.
Three worked wind and hail claim examples (RCV vs ACV schedule)
To see why two neighbors on the same street can receive completely different insurance checks after the exact same hailstorm, compare these three worked examples on a 24-square architectural shingle roof ($16,800 contractor replacement quote) plus $2,000 in dented seamless gutters and window screens ($18,800 total covered storm scope) on a home insured for $350,000 under Coverage A:
| Policy Setup | Dollar Deductible | Non-Recoverable Depreciation | First ACV Check | Recoverable Holdback | Total Insurer Payout |
|---|---|---|---|---|---|
| Scenario A: 1% Hail Deductible + Full RCV (12-yr roof) | $3,500 (1%) | $0 (recoverable) | $8,100 | $7,200 | $15,300 |
| Scenario B: 2% Hail Deductible + Full RCV (12-yr roof) | $7,000 (2%) | $0 (recoverable) | $4,600 | $7,200 | $11,800 |
| Scenario C: 2% Hail Deductible + ACV Roof Schedule (15-yr roof) | $7,000 (2%) | $9,000 (not recoverable) | $2,800 | $0 | $2,800 |
Notice what happens in Scenario C: even though the adjuster agrees that hail ruined the roof and approves an $18,800 scope of loss, the combination of a 15-year ACV roof payment schedule (-$9,000 non-recoverable age reduction) and a 2% wind/hail deductible (-$7,000) reduces the insurance check to $2,800. Checking your declarations page for both your percentage deductible and any Roof Payment Schedule endorsement before a storm season lets you add a Roof Replacement Cost Buyback endorsement while the roof is still in good condition.
State rules on wind, hail and named-storm deductibles
Insurers use three distinct percentage deductible triggers across the United States. Knowing which trigger appears on your declarations page determines when the percentage deductible applies instead of your lower all-peril deductible:
- Windstorm or Hail Deductible (Year-Round Trigger): Standard in Texas, Colorado, Oklahoma, Kansas, Nebraska, Minnesota, and parts of the Midwest. Any covered wind gust or hailstone impact triggers the 1% to 5% deductible, while fire, theft, or a burst pipe uses the flat $1,000–$2,500 all-peril deductible.
- Named-Storm Deductible: Common in Mid-Atlantic and Gulf states. The percentage deductible applies only when the National Weather Service or National Hurricane Center names a tropical storm or hurricane; ordinary afternoon thunderstorm hail uses your standard dollar deductible.
- Hurricane Deductible (Strict Trigger): Regulated in states such as Florida, New York, New Jersey, Connecticut, and Massachusetts, where a specific wind-speed threshold or hurricane warning declaration must occur within a set window (typically 24 to 72 hours) to trigger the percentage deductible.
Hail roof claim cost by region
The calculator's default hail roof claim scenario, repriced for each of its six regions. At the national average it runs $13,110 – $21,470; South / Lower Midwest is the lowest at $11,451 – $18,789, and West Coast metro is the highest at $16,938 – $27,656, a gap of about $7,177 at the midpoint.
| Region | Planning range | Midpoint |
|---|---|---|
| National average | $13,110 – $21,470 | $17,290 |
| South / Lower Midwest | $11,451 – $18,789 | $15,120 |
| Mountain / Plains | $12,472 – $20,439 | $16,456 |
| Mid-Atlantic / Upper Midwest | $14,641 – $23,944 | $19,292 |
| Northeast metro | $16,428 – $26,831 | $21,630 |
| West Coast metro | $16,938 – $27,656 | $22,297 |
What “Roofing material” does to the price
Every other input stays at its default and only “Roofing material” changes. The cheapest choice, 3-tab asphalt shingles, comes to $11,430 – $18,350; the most expensive, Concrete or clay tile, comes to $27,030 – $45,470.
| Choice | Planning range | Midpoint vs default |
|---|---|---|
| Architectural asphalt shingles (default) | $13,110 – $21,470 | — |
| UL 2218 Class 4 impact-resistant shingles | $15,030 – $24,110 | +$2,280 |
| 3-tab asphalt shingles | $11,430 – $18,350 | −$2,400 |
| Standing-seam metal | $24,630 – $40,670 | +$15,360 |
| Concrete or clay tile | $27,030 – $45,470 | +$18,960 |
What “Collateral hail damage (same storm)” does to the price
Every other input stays at its default and only “Collateral hail damage (same storm)” changes. The cheapest choice, Roof only (no gutter or screen damage), comes to $11,510 – $18,370; the most expensive, Add gutters, window screens, soft metal vents & fence stain, comes to $14,210 – $23,870.
| Choice | Planning range | Midpoint vs default |
|---|---|---|
| Roof only (no gutter or screen damage) | $11,510 – $18,370 | −$2,350 |
| Add seamless gutters & downspouts (160 linear ft) (default) | $13,110 – $21,470 | — |
| Add gutters, window screens, soft metal vents & fence stain | $14,210 – $23,870 | +$1,750 |
How age changes the hail roof claim claim payout
Using the default job, a $7,000 deductible and a 28-year expected life. At 10 years old, about $6,175 is held back as depreciation; a replacement cost policy releases it after the work is finished, while an actual cash value policy keeps it.
| Age | Wear | First check | Held back |
|---|---|---|---|
| 2 years | 7% | $9,055 | $1,235 |
| 5 years | 18% | $7,203 | $3,088 |
| 10 years | 36% | $4,115 | $6,175 |
| 15 years | 54% | $1,028 | $9,263 |
| 20 years | 71% | $0 | $12,350 |
| 30 years | 80% | $0 | $13,832 |
Claim checklist: 6 items after a hail storm
These items help show whether a hail claim clears the deductible.
- Storm date. And local hail reports.
- Roof photos. Hits on shingles, vents and flashing.
- Collateral damage. Gutters, screens, siding and fences.
- Contractor estimate. Line-item, including code items.
- Deductible. Percentage converted to dollars.
- Roof age. For depreciation or roof schedules.
How a hail claim usually runs
| Stage | Typical time | What happens |
|---|---|---|
| Inspection | 1 – 7 days | Roofer checks damage. |
| Report | Promptly | Many policies set reporting limits. |
| Adjuster visit | 1 – 4 weeks | Longer after big storms. |
| Estimate and payment | 2 – 6 weeks | Less the deductible. |
| Roof replacement | Weeks | Holdback released after completion. |
Be wary of door-to-door offers to waive or cover your deductible; that can be insurance fraud.
Sources and further reading
- Insurance Information Institute — Hurricane and windstorm deductibles
- IBHS FORTIFIED Home
- Texas Department of Insurance — Impact-resistant roof discounts
Frequently asked questions
How do I calculate a 2% wind and hail deductible?
Multiply your Coverage A dwelling limit (found on your policy declarations page) by 0.02. For example, if your Coverage A dwelling limit is $350,000, a 2% wind and hail deductible equals $7,000 ($350,000 × 0.02). It is never 2% of the roof replacement quote.
Does my hail deductible apply to the roof quote or my home insurance limit?
Percentage wind and hail deductibles always apply to your policy's Coverage A dwelling limit, not the contractor's repair estimate. A flat-dollar deductible (such as $1,500 or $2,500) is a fixed dollar amount subtracted from the covered loss.
Can a roofer legally waive or pay my wind and hail deductible?
No. In Texas, Colorado, Oklahoma, Nebraska, Florida and a growing number of other states, waiving or rebating an insurance deductible—or inflating an invoice to cover it—is prohibited and can be treated as insurance fraud. Instead, ask contractors about legitimate bank financing or payment plans for your deductible share.
What happens if my roof replacement cost is less than my hail deductible?
If the covered storm damage totals $6,500 and your 2% hail deductible is $7,000, the insurer pays $0. Even worse, calling in the claim still records a zero-payout wind/hail inquiry or claim on your CLUE history. Always estimate the repair cost and your dollar deductible before filing.
Do gutters, window screens and fences count toward the same hail deductible?
Yes. All covered damage caused by the same wind or hail event is combined under one occurrence deductible. Including dented gutters, downspouts, window screens, comb-finned AC condensers and soft-metal vents often adds $2,500 to $6,500 to the claim total.
How do I lower a 2% or 5% wind and hail deductible?
At renewal, ask your insurer for a quote to buy down the wind/hail deductible from 2% to 1% (or a flat $2,500 deductible), or ask whether installing UL 2218 Class 4 impact-resistant shingles qualifies for a deductible reduction credit.
How does an ACV roof schedule affect a hail claim with a percentage deductible?
On an ACV policy or scheduled roof endorsement, the insurer deducts age depreciation from the roof replacement cost first, then subtracts your percentage deductible from the remaining ACV. On roofs over 12 to 15 years old, this combination can reduce the payout to a few thousand dollars.
Related planning tools
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When the wind and hail percentage deductible quote touches the claim or another part of the house, start here.
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Should I file a claim calculator
Compare your net payout after the hail deductible against 3–5 years of premium surcharges.
ACV vs RCV claim gap calculator
Check how roof age depreciation and recoverable holdback split your settlement into two checks.
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Itemize tear-off, underlayment, flashing, decking and shingle costs by square footage.
State roof & siding matching laws
Check whether your state requires a full slope or full roof replacement when shingles don't match.
Gutter replacement cost calculator
Price seamless aluminum gutters, downspouts and guards damaged in the same hailstorm.
Key topics covered
Common questions answered on this page
Direct planning topics covered in the calculator and guide above.
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