Endorsements

Windstorm or hail deductible in admitted P&C products

Coverage intent

A windstorm or hail deductible applies a separate deductible to wind, named storm, hurricane, hail, or related weather losses.

Coverage impact

Wind and hail deductibles materially change property coverage value and can vary by state, county, roof type, valuation method, and product design.

Where this language appears

Matching form records, product lines, state activity, and recent examples for this coverage language.

Matching form records

Recent records

Product submissions

Companies

Sample form language

A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.

Selected form

Windstorm or Hail Deductible

Form #: PCP 33 32 05 25

Transguard Insurance Company of America, Inc.

Commercial Property

NV | Jun 23, 2026

This commercial property endorsement replaces the ordinary deductible for covered windstorm or hail loss.

Application of the windstorm or hail deductible

B. Application Of The Windstorm Or Hail Deductible
    1. The Windstorm Or Hail Deductible is calculated separately for, and applies separately to:
        a. Each building that sustains loss or damage;
        b. The personal property at each building at which there is loss or damage to personal property; and
        c. Personal property in the open.

    2. We will not pay for loss or damage until the amount of loss or damage exceeds the applicable Windstorm Or Hail Deductible. We will then pay the amount of loss or damage in excess of that Deductible, up to the applicable Limit Of Insurance.

Selected excerpt from this form.

Notable language points

  1. 01Applies separately to buildings, contents, and property in the open.
  2. 02Changes claim payment by applying the deductible before payment up to the limit.

Related insurance form pages

Related coverage topics