Many Tennessee homeowners policies now carry a separate wind and hail deductible, usually a percentage of your dwelling (Coverage A) limit, such as 1%, 2%, or 5%.
On a home insured for $350,000, a 2% wind and hail deductible means you pay the first $7,000 of a storm claim from wind or hail, instead of your regular flat deductible. Other claims, such as fire, theft, or a burst pipe, still use your regular deductible.
Wind and hail deductibles have become more common across Tennessee as storm losses have grown. Check your declarations page so you know what you’d pay after a tornado or hailstorm, and ask us to compare carriers if the number is higher than you’re comfortable with.
Questions about your own policy? Ace Insurance Consultants in Knoxville helps homeowners and drivers across Tennessee compare options from multiple carriers.
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