How Do Wind and Hail Deductibles Work in Kansas?

If you own a home in Kansas, you know wind and hail aren’t “if” events — they’re “when” events. Out here, storms can chew up roofs, siding, windows, and anything else in their path. That’s why many insurance companies in Kansas now use a wind and hail deductible that works a little differently than your standard deductible.

Here’s the short version: instead of a flat amount like $1,000, a wind/hail deductible is often a percentage of your home’s insured value.

Example: If your home is insured for $250,000 and you have a 1% wind/hail deductible, you’re paying $2,500 out of pocket before insurance pays the rest.

Why are companies doing this?

Storm damage is expensive in Kansas. Percentage deductibles let carriers share more of that risk with homeowners and keep premiums from skyrocketing even more.

What you need to know:

It only applies when the loss is caused by wind or hail.

Higher percentages mean lower premiums, but bigger bills when you file a claim.

If you’ve got an older roof, you might also have “Actual Cash Value” coverage instead of Replacement Cost — and that changes your payout even more.

Bottom line: know your percentage, and be sure you’ve got money set aside in case a storm rolls through.

If you’re not sure what your wind/hail deductible is, or how it works with your roof coverage, call or text me at 620-531-0261. I’ll walk you through it in plain English so there’s no surprises later.