How much can a wind and hail deductible cost a North Atlanta homeowner?

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Quick answer: A percentage-based wind and hail deductible, common in this market, is a percentage of the dwelling limit, not a flat dollar figure -- on a $700,000 home with a 2% deductible, that is $14,000 out of pocket before the policy pays anything.

Most North Atlanta homeowners policies carry a wind and hail deductible expressed as a percentage of the dwelling limit, typically 1% to 5%, rather than a flat dollar amount like $1,000 or $2,500. That percentage applies to the full insured value of the home, not the size of the claim.

The National Weather Service records approximately 19 days of damaging winds and 7 days of large hail per year on average across north Georgia, so this deductible applies with some regularity in the corridor, not as a rare edge case.

Example: A homeowner in Alpharetta carries a $700,000 dwelling limit with a 2% wind and hail deductible. A hailstorm damages the roof. Before the policy pays a dollar, the homeowner covers the first $14,000 - a figure that is rarely as visible on the declarations page as a flat dollar deductible would be.

A free coverage review can pull the exact percentage and dollar figure off a current policy.