Wind – Hail – Tornado Deductible Gap Coverage

How It Works

• The policy uses data from the National Weather Service to determine affected areas.
• If your property falls within a qualifying storm zone:
  You receive a text/email notification
  Submit confirmation and photos
• Payout is based on:
  EF wind level at your property
  Hail probability (65%+ triggers full payout)

Why It’s Important

• Many policies now have 1%–5% wind/hail deductibles.
• On a $400,000 property, a 2% deductible = $8,000 out-of-pocket.
• This policy helps fill that gap.

Benefits

• Save an average of $300 per year in premium by choosing a higher deductible
• Protect cash flow
• Ideal for landlords and apartment owners
• Available for multiple properties

We can design lower deductible solutions for:

• Primary homes
• Rental properties
• Apartment buildings