If you own a home in Midland or Odessa, wind and hail aren’t rare events — they’re part of living in West Texas.

Yet many homeowners don’t fully understand how their wind & hail deductible works until a claim happens.

One of the most common questions we hear at Killebrew Insurance is:

“Why is my wind and hail deductible different from my regular deductible?”

Let’s break it down in plain English.

What Is a Wind & Hail Deductible?

A wind and hail deductible is often separate from your standard home deductible and is usually a percentage.

Instead of $1,000 or $2,500, it may be:

• 1%
• 2%
• 3%
of your dwelling coverage.

Example:
If your home is insured for $300,000 and you have a 2% wind/hail deductible:

You pay $6,000 before insurance contributes.

Why Are Percentage Deductibles Common in West Texas?

Because our region sees frequent hail and windstorms.

According to the Texas Department of Insurance (TDI), percentage deductibles have become more common in hail-prone areas to help manage claim frequency and costs.

West Texas is firmly in that category.

How Does This Impact a Claim?

Let’s say a storm causes $12,000 in roof damage.

With a $6,000 deductible:
Insurance may cover the remaining eligible amount after deductible.

Without understanding this ahead of time, some homeowners feel surprised.

We often see better outcomes when clients know their deductible before storm season.

Should You Choose a Higher or Lower Deductible?

Higher deductible:
✔ Lower premium
✔ More out-of-pocket risk

Lower deductible:
✔ Less out-of-pocket at claim time
✔ Higher premium

There’s no one-size-fits-all answer — it depends on your comfort level and finances.

Frequently Asked Questions

Is wind & hail coverage required in Texas?

Not by law, but lenders often require it.

Does the deductible apply per storm?

Typically per claim, not per season.

Can I change my deductible?

Sometimes at renewal.

Do all carriers use percentage deductibles?

Many do in West Texas.

Is the cheapest deductible option best?

Not if it creates financial strain during a claim.

Local Trust

At Killebrew Insurance, we review wind and hail deductibles with Midland and Odessa homeowners every day so there are no surprises when storms hit.

If you’d like a quick deductible review:

📞 Midland: 432-694-0508
📞 Odessa: 432-332-6322
🌐 www.killebrewinsurance.com

No pressure — just clarity.