Homeowners

What is the wind and hail deductible on my Georgia homeowners policy?

Most Georgia homeowners policies carry a separate wind and hail deductible expressed as a percentage of your dwelling coverage, not a flat dollar amount. On a $400,000 home with a 2 percent deductible, you pay the first $8,000 on any wind or hail claim before your insurer contributes anything. North Atlanta sits in a hail-prone corridor — Gwinnett, Cherokee, and Forsyth counties see multiple significant hail events most years. Check your declarations page for a line labeled Wind, Windstorm, or Wind and Hail. If you see a percentage rather than a dollar amount, multiply it by your dwelling limit to understand your real out-of-pocket exposure.

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What is the wind and hail deductible on my Georgia homeowners policy?

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