What Is a 2% Hail Deductible in Texas? (And Why It Matters More Than You Think)
Most Texas homeowners assume they have a $1,000 or $2,500 deductible — but many policies use a percentage-based hail deductible instead. On a home insured for $350,000, that 2% deductible is $7,000 out of pocket before insurance pays a single dollar. Here is how it works and what to do about it.