Wind & Hail Coverage Explained

Understand how wind and hail deductibles can affect Louisiana homeowners claims.

Understanding Wind & Hail Coverage

Wind and hail damage is one of the most common reasons Louisiana homeowners file insurance claims. Most homeowners insurance policies provide coverage for wind and hail damage, but the deductible may be different than your standard deductible.

Your policy may include:

• A standard deductible for most covered claims.
• A separate Wind & Hail Deductible.
• Different deductible options depending on your insurance company and where your home is located.

Many insurance companies use a separate Wind & Hail Deductible, often calculated as a percentage of your home's insured value.