All Perils Deductible Think of this as your “main deductible.” It’s the amount you pay out-of-pocket when you file a claim for most covered losses—like fire, theft, or water damage from a burst pipe. For example, if your deductible is $1,000 and your roof is damaged by a falling tree, you pay the first $1,000 and your insurance covers the rest (up to your policy limits). Wind and Hail Deductible This is a separate, often higher deductible that applies only when your home is damaged by wind or hail. It’s common in areas prone to severe storms. Instead of your standard deductible, you pay this special deductible for wind or hail claims. It may be a flat dollar amount (like $2,500) or a percentage of your home’s insured value (like 2%). The Easy Way to Think About It All Perils Deductible = your standard deductible for most claims. Wind & Hail Deductible = a special deductible just for wind or hail damage. Knowing which deductible applies helps you plan for your out-of-pocket costs after a storm or another type of loss.