A percentage deductible is based on your home’s insured value, not on the size of the claim. That surprises a lot of people after their first hailstorm.
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Many Texas policies have a separate wind and hail deductible set as a percentage of your dwelling coverage; TDI says a common amount is 2% for wind or hail and 1% for other damage. On a home insured for $300,000, a 2% deductible is $6,000, and you pay that part of any hail claim yourself. It’s illegal in Texas for a contractor to waive or rebate it.
The percentage is taken from the amount of insurance on your home (your dwelling coverage), not from the amount of the claim.
| Dwelling coverage | 1% deductible | 2% deductible | 3% deductible |
|---|---|---|---|
| $250,000 | $2,500 | $5,000 | $7,500 |
| $350,000 | $3,500 | $7,000 | $10,500 |
| $500,000 | $5,000 | $10,000 | $15,000 |
If the storm damage costs less than your deductible, the insurer pays nothing. If it costs more, the insurer pays the difference, subject to the rest of your policy.
It’s on your declarations page, often listed separately as “wind/hail.” Ask your agent at every renewal whether it’s staying the same. Deductible options do change: the Texas FAIR Plan, for example, dropped its 1% wind and hail option for homeowners policies on July 1, 2026, moving those policies to 2% at renewal.
No. TDI says it’s illegal for a contractor to offer to waive your deductible or promise a rebate for it, and to hire someone else if they do. The deductible is your responsibility, and your insurance company may ask for proof you paid it. Hidden “discounts” that do the same thing are just as illegal.
No. It’s a percentage of your dwelling coverage. A 2% deductible on a home insured for $400,000 is $8,000, whatever the size of the claim.
No. In Texas it’s illegal for a contractor to waive, rebate or absorb your deductible. TDI advises hiring a different contractor if one offers.
Then the insurer pays nothing for it. A written estimate before you file helps you decide whether a claim makes sense.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.
