Is a percentage deductible the same as a flat deductible?

No. A flat deductible is a fixed dollar amount (like $1,000 or $2,500). A percentage deductible is calculated based on your home's insured value, which means it grows as your home's value increases.

Why do Texas home insurance policies have hail deductibles?

Texas -- especially the DFW area -- has some of the highest hail frequency in the country. Carriers use percentage-based hail deductibles to manage the volume of claims they receive after major storms.

What happens if my hail damage is less than my deductible?

If the repair cost is less than your deductible, your insurer pays nothing. You cover the full repair cost yourself. In some cases, filing a claim in this situation can still affect your policy at renewal.

Can I get a lower hail deductible in Texas?

It depends on your carrier and location. Some policies offer flat-dollar wind and hail deductibles. Talk to your agent at renewal to understand what options are available in your area.

How do I find out what my hail deductible is?

Check your declarations page -- the summary page at the front of your policy documents. Look for a line labeled 'wind and hail deductible' or 'hail deductible.' If it shows a percentage, multiply that by your dwelling coverage amount to find your out-of-pocket exposure.

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Q: What is a 2% hail deductible in Texas?

A 2% hail deductible means you pay 2% of your home's insured value out of pocket before insurance covers hail damage. On a home insured for $350,000, that deductible is $7,000.

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What Is a 2% Hail Deductible in Texas? (And Why It Matters More Than You Think)

ByDavid Offutt April 13, 2026April 13, 2026

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.