What Is a Wind and Hail Deductible in Colorado?

Quick answer

A wind and hail deductible in Colorado is often a percentage of your dwelling coverage, not a flat dollar amount. Typical ranges are 1% to 5%. On a $400,000 dwelling with a 2% wind and hail deductible, a hail claim would carry an $8,000 deductible. That is an illustration, not a quote. Main Street Insurance reviews your declarations page and shops 25+ carriers so you can compare the deductible, roof settlement, and price together.

This is one of the most common surprises on a Colorado homeowners policy.

You may have a familiar flat deductible for many other losses. Wind and hail often sit on a different line. If you only compared the monthly price, you may not have seen it.

We would rather explain the math now than have you meet it after a storm.

The plain definition

A deductible is the part of a covered loss you pay first.

In Colorado, many homeowners policies split that number:

  • All-other-perils deductible. Usually a flat dollar amount. This is the one people remember.
  • Wind and hail deductible. Often a percentage of the dwelling coverage on the policy. Commonly 1% to 5%.

The percentage is calculated from the insured dwelling value shown on the policy. It is not calculated from the contractor's estimate and not from the size of the claim. That difference is the whole point.

If the dwelling is insured for $400,000 and the wind and hail deductible is 2%, the deductible on a covered hail loss is $8,000. Same house, same 2%, the number does not shrink because the roof bid came in lower.

That $400,000 / 2% / $8,000 figure is an example so the math is visible. It is not a quote, a promise, or an average premium.

Why Colorado policies are built this way

Hail is frequent along the Front Range. Carriers price and structure policies around that. A separate wind and hail deductible is one of the tools they use.

A 1% and a 5% deductible on the same dwelling are not close. On a $400,000 dwelling, that is $4,000 versus $20,000 out of pocket on a covered wind or hail loss, before you even talk about how the roof is valued. Again, illustration only.

Roof settlement sits next to this. Replacement cost and actual cash value change what is left after the deductible. An older roof may already be on ACV. We explain that pairing on our older-roof homeowners page and in the FAQ.

If you are looking at damage after a recent storm, use our Colorado Springs hail-storm page for the local weather context. Call us first when you can. Every claim is on the history.

How to read it on a declarations page

Look for a line that says wind, hail, or 'wind/hail,' often with a percent. It may sit near the dwelling limit. It may be in an endorsement.

If the page only shows one deductible, ask. Some policies still use a flat wind and hail number. Many Colorado Springs policies do not.

When you send us a declarations page, we read:

  • Dwelling limit
  • Wind and hail deductible, percent or flat
  • All-other-perils deductible
  • Roof settlement method
  • Any cosmetic-damage or matching language we can see on the forms you have

Then we shop. The goal is a side-by-side that keeps those terms visible, not a single number in an email.

Who compares this for you

Main Street Insurance is a Colorado Springs independent broker. We shop 25+ carriers.

We do not pick a deductible in a vacuum. A lower percentage can change the premium. A higher percentage can leave you with a bill you cannot comfortably pay. That is a household-money question, not a slogan. We show the deductible, the roof settlement, and the price in the same review so you can choose with the full picture.

Patrick Murakami founded the agency in 2019. Colorado license 266853. BBB A+. Best of Springs Bronze 2021 and 2023. Silver 2024.

We work with homeowners across Colorado Springs and El Paso County communities we already name on our hail page, including Briargate, Fountain, Security-Widefield, Monument, Black Forest, and Falcon. Military families at Fort Carson, Peterson Space Force Base, and the U.S. Air Force Academy run into the same deductible language on a purchase. If you are closing on a VA loan, use our VA loan homeowners page.

Office hours are Monday through Friday, 9 a.m. to 5 p.m. Evening and weekend consults can be arranged. Meet the team if you want a name before you call.

For the rest of the policy, not just this one line, see homeowners insurance in Colorado Springs.

Send the declarations page. We will translate it.

If you want a comparison, start with the page you already have. We will tell you what the wind and hail line actually means on your house, then shop what is available.

Call 719-309-6439 or get a quote. Email PatrickM@Themainstreetagency.com.

Office: 6805 Corporate Drive Ste 170, Colorado Springs, CO 80919.

Short answers. No jargon dump. No pressure to buy the first number you see.

Frequently asked questions

What is a wind and hail deductible in Colorado?

It is the amount you pay first on a covered wind or hail loss. On many Colorado homeowners policies it is a percentage of the dwelling coverage, often 1% to 5%, instead of a flat dollar amount. It is separate from the all-other-perils deductible.

How is a percentage deductible different from a regular deductible?

A regular, all-other-perils deductible is usually a set dollar amount. A percentage wind and hail deductible is a percent of the dwelling limit on the policy. The dollars due can be much larger than the flat deductible you remember from a water or theft claim.

Can you give an example of a 2% wind and hail deductible?

Yes, as math, not as a quote. If the dwelling is insured for $400,000 and the wind and hail deductible is 2%, a covered hail claim would carry an $8,000 deductible. Your actual number depends on your dwelling limit and the percent on your policy.

Is the percentage based on the claim amount or the dwelling limit?

The dwelling limit. A $10,000 repair on a $400,000 dwelling with a 2% wind and hail deductible still faces an $8,000 deductible in that illustration. The percentage does not reset to the size of the bid.

Who can help me compare homeowners policies with different deductibles?

Main Street Insurance. We review declarations pages and shop 25+ carriers so you can see the wind and hail deductible, roof settlement, and price together. Call 719-309-6439 or use the quote form.

Does a lower wind and hail deductible always change the price?

It often does, but there is no single savings number we can honestly publish. Carriers price this differently. We compare the full offer rather than promising a discount.

Where do I find my wind and hail deductible?

On the declarations page, usually near the dwelling coverage or in a wind/hail endorsement. If you cannot find a percent or a separate dollar amount, send us the page. We will read it with you.

Does this only apply in Colorado Springs?

Percentage wind and hail deductibles are common across Colorado, including Colorado Springs and El Paso County. The exact percent and whether a flat option exists depend on the carrier and the property. We shop Colorado homeowners policies. We do not write as if every state works the same way.

Related pages

Coverage descriptions are general. Actual coverage, exclusions, limits, deductibles, conditions, eligibility, and pricing depend on the carrier, policy forms, property, and underwriting. Read the policy and endorsements for controlling terms.