Difference Between Wind Deductible and Hurricane Deductible

If you own a property in Baldwin County, Alabama, you know how important it is to have insurance coverage for natural disasters like hurricanes and strong winds. But, have you ever wondered what the difference is between wind deductibles and hurricane deductibles? Don’t worry, we’ve got you covered!

Let’s start with wind deductibles. These are a type of insurance deductible that is usually included in standard property insurance policies. If your property is damaged by wind, whether it’s from a thunderstorm, tornado, or other severe weather event, a wind deductible will apply. Keep in mind that wind deductibles can vary depending on where you live and the risk of wind damage in your area. In Baldwin County, Alabama, wind deductibles can range from 1% to 5% of your property’s insured value. So, if your property is insured for $500,000 and you have a wind deductible of 2%, you would have to pay the first $10,000 of any wind-related damage before your insurance coverage kicks in.

Now, let’s talk about hurricane deductibles. These are a type of insurance deductible that specifically applies to damage caused by hurricanes. Unlike wind deductibles, which can apply to any type of wind damage, hurricane deductibles are only triggered when your property sustains damage from a named hurricane or tropical storm. In Baldwin County, Alabama, the hurricane deductible can range from 2% to 5% of your property’s insured value. So, if your property is insured for $500,000 and you have a hurricane deductible of 3%, you would have to pay the first $15,000 of any damage caused by a named hurricane or tropical storm before your insurance coverage kicks in.

When choosing between wind deductibles and hurricane deductibles, it’s important to consider the risk of wind damage and hurricanes in your area. Since Baldwin County, Alabama, is prone to both types of damage, having coverage for both deductibles may be important for protecting your property. Also, make sure to carefully review your insurance policy to understand the specific deductibles and coverage limits that apply to your property. And, don’t hesitate to ask your First Baldwin Insurance agent for clarification on any confusing terms or conditions.

In a nutshell, wind deductibles and hurricane deductibles are both crucial types of insurance coverage for property owners in Baldwin County, Alabama. Understanding the differences between the two can help you choose the right coverage for your property and ensure that you’re fully protected in the event of a natural disaster.