Coverage description
A windstorm or hail deductible applies a separate deductible to wind, named storm, hurricane, hail, or related weather losses. Forms can apply deductibles separately to property or use a scheduled aggregate minimum.
Coverage classification
- Form type
- Endorsements
- Topics
- PropertyDeductibles
- Product lines
- Commercial PropertyHomeownersDwelling Property
Compare Windstorm or hail deductible forms
| Form | Intent | Application | Deductible basis |
|---|---|---|---|
Transguard Insurance Company of America, Inc.Windstorm or Hail Deductible PCP 33 32 05 25 Commercial Property | Applies a windstorm or hail deductible to covered losses. | Calculates the deductible separately for buildings, personal property at each building, and property in the open. | Payment begins after loss exceeds the applicable deductible, subject to the limit. |
United States Fire Insurance CompanyWindstorm or Hail Deductibles (with Aggregate Minimum Dollar Deductible) CO 03 009 08 26 Commercial Output Program | Applies scheduled windstorm or hail deductibles. | Addresses covered property and, when purchased, loss of earnings. | Provides percentage and aggregate minimum deductible terms, with the greater applicable amount applied. |
Notable clauses
“The Windstorm Or Hail Deductible is calculated separately for, and applies separately to:”
Transguard Insurance Company of America, Inc. · Windstorm or Hail Deductible · PCP 33 32 05 25
Separate calculation. The form separates deductible application across the listed property categories.
“the applicable Windstorm or Hail Deductible is subject to the greater amount that applies.”
United States Fire Insurance Company · Windstorm or Hail Deductibles (with Aggregate Minimum Dollar Deductible) · CO 03 009 08 26
Aggregate minimum. The form describes how the percentage and aggregate minimum amounts interact.
Market activity
Matching form records, product lines, state activity, and recent examples for this coverage language.
Matching form records
Recent records
Product submissions
Companies
Insurance forms library
Form examples
Related insurance form pages
Related coverage topics
An earthquake deductible applies a separate deductible to earthquake loss, often a percentage of a policy limit. Compares four insurers' forms; 14 insurers file it.
Water backup endorsementA water backup endorsement adds or modifies coverage for water that backs up through sewers, drains or sumps. Compares two insurers' forms; 332 insurers file it.
Named storm deductibleA named storm deductible sets the deductible for covered loss or damage caused by or resulting from a named storm. Compares two insurers' forms; 130 insurers file it.
Roof surfacing payment scheduleA roof surfacing payment schedule pays roof losses by age or material, often at actual cash value or a percentage. Compares two insurers' forms; 231 insurers file it.
Actual cash value loss settlementActual cash value loss settlement applies depreciation or a payment schedule, often to wind or hail roof losses. Compares two insurers' forms; 374 insurers file it.
Cosmetic damage exclusionA cosmetic damage exclusion removes coverage for damage that affects appearance but not the function of property. Compares two insurers' forms; 340 insurers file it.
Water exclusionA water exclusion limits coverage for loss from flood, surface water, overflow, seepage, backup or related water. Compares two insurers' forms; 124 insurers file it.
Water damage deductibleA water damage deductible imposes a separate deductible for covered water damage, often by premises or building. Compares two insurers' forms; 158 insurers file it.
More property coverage topics
- Aggregate deductible
- Cannabis exclusion
- Certified acts of terrorism cap
- Civil authority coverage
- Dependent property coverage
- Fine arts coverage
- Identity recovery coverage
- Inflation guard coverage
- Occurrence deductible
- Personal injury coverage
- Refrigerated property coverage
- Replacement cost coverage
- Roof damage exclusion
- Subsidence exclusion
- Waiver of subrogation
- Windstorm or hail exclusion