Protect Your Home From Wind & Hail Losses
Texas weather can bring damaging wind and hail with little warning. Lavon Insurance helps homeowners explore standalone wind and hail coverage, deductible buyback options, and other ways to manage the financial impact of storm damage.
Get a Wind & Hail Quote Call (972) 853-8884
A Different Way to Prepare for Storm Damage
Your homeowners insurance may provide wind and hail coverage, but the deductible that applies to a storm claim can be significantly different from your other homeowners deductibles.
Wind & Hail Damage
Windstorms, severe thunderstorms, hail and tornadoes can cause significant damage to roofs, siding, windows and other parts of a home.
Percentage Deductibles
Some homeowners policies use a percentage deductible for wind and hail losses. The actual dollar amount depends on the home’s insured value and the policy terms.
Manage the Out-of-Pocket Cost
Standalone wind and hail coverage or a deductible buyback solution may provide another way to manage the financial impact of a qualifying storm loss.
Know your deductible. Texas Department of Insurance recommends understanding exactly how a percentage deductible translates into a dollar amount before you need to file a claim.
Wind & Hail Coverage Without Replacing Your Home Insurance
A standalone wind and hail policy can be designed as a separate layer of protection for eligible storm-related losses. Depending on the product and your situation, it may be used alongside an existing homeowners or dwelling policy.
Keep Your Existing Home Policy
One potential approach is to keep your existing homeowners or dwelling policy while adding separate wind and hail protection. Eligibility and coordination depend on the policies involved.
Focus on Wind & Hail
Instead of treating wind and hail as just another part of your overall homeowners insurance discussion, a standalone policy can specifically address storm-related exposure.
Choose Protection Around Your Needs
Available limits, deductibles, covered losses and policy structures vary. We can help you understand the options available for your property.
Potentially Complement Higher Deductibles
Some homeowners choose a higher deductible on their primary home policy and use a separate wind and hail solution to address part of the resulting storm-loss exposure.
Important: A standalone wind and hail policy is not automatically a replacement for homeowners insurance. Property, liability, personal belongings and other exposures may require separate coverage. We can help you understand how the policies work together.
What Is Deductible Buyback?
Deductible buyback, sometimes called deductible buy down, is one type of wind and hail solution that can be designed to help offset a qualifying deductible under an underlying homeowners or dwelling policy.
Works With an Underlying Policy
A deductible buyback product is generally structured as companion coverage to an underlying home or dwelling policy.
Additional Financial Protection
When a qualifying underlying wind or hail claim occurs, the companion policy may provide a benefit designed to address some or all of the applicable deductible, subject to its terms.
Different From Standalone Coverage
A deductible buyback and a standalone wind and hail policy are not necessarily the same product. The right structure depends on your existing policy, property and financial goals.
Wind & Hail Coverage Options at a Glance
The best approach depends on your existing insurance, deductible, property and available products. Here is a simple way to understand the differences.
| Option | How It Generally Works | Potential Use |
|---|---|---|
| Homeowners Wind & Hail Coverage | Wind and hail are covered under the primary homeowners policy, subject to the policy’s terms and deductible. | Standard homeowners protection for eligible wind and hail losses. |
| Deductible Buyback | Companion coverage designed to provide a benefit related to a qualifying deductible under an underlying policy. | Homeowners who want additional protection from the financial impact of a large wind or hail deductible. |
| Standalone Wind & Hail | Separate coverage focused specifically on eligible wind and hail losses. | Homeowners looking for a separate storm-focused layer of protection. |
Why Wind & Hail Coverage Matters in Texas
Texas experiences a wide range of severe weather. Wind and hail can damage roofs, siding, windows, fences, vehicles and other property.
Hailstorms
Hail can damage roofing materials, siding, windows, outdoor structures and vehicles. Even a relatively short storm can create expensive property damage.
Severe Thunderstorms
Strong straight-line winds can damage roofs, fences, trees, outbuildings and other structures.
Tornadoes
Tornadoes can produce severe wind damage over a very short period of time, making adequate property coverage especially important.
Roof Damage
Roof damage is one of the most significant concerns following wind and hail events. Your policy’s roof coverage, deductible and valuation method can affect your out-of-pocket cost.
Percentage Deductibles
A percentage deductible can represent a substantial dollar amount depending on the insured value of the home.
Changing Insurance Markets
Homeowners insurance availability, deductibles, underwriting requirements and pricing can change. Reviewing your coverage before storm season can help you understand your options.
Texas Department of Insurance notes that wind and hail coverage is generally included in homeowners policies away from the coast, while coastal homeowners may need separate windstorm coverage.
Don’t Wait Until After the Storm to Review Your Coverage
One of the most important times to review your wind and hail protection is before you have damage. Once a storm occurs, your available insurance options may be affected by underwriting restrictions, storm activity or policy conditions.
Know Your Wind & Hail Deductible
Look at your declarations page and determine whether your wind and hail deductible is a dollar amount or a percentage of your insured value.
Know Your Roof Coverage
Roof coverage can vary based on policy language, roof age, materials, valuation method and other factors. Review the details with your insurance professional.
Consider Your Out-of-Pocket Exposure
Ask yourself whether you could comfortably pay the wind and hail deductible if your roof or home were damaged by a major storm.
Review Your Options Before Storm Season
Comparing available wind and hail solutions before a loss gives you time to understand your options and select coverage that fits your situation.
Roof coverage matters. Texas Department of Insurance recommends asking what your policy will pay for roof damage and what deductible applies before you need to make a claim.
Wind & Hail Coverage Is Only Part of Your Home Insurance Program
A wind and hail solution should be considered alongside your primary homeowners coverage. Your home policy may provide protection for the structure, personal property, liability and other covered losses.
Homeowners Insurance
Review your primary home insurance policy, including dwelling coverage, personal property, liability, deductibles and loss-of-use coverage.
Explore Home Insurance →Compare Your Overall Coverage
Lavon Insurance can help you look at your home insurance and available wind and hail options together rather than treating each policy in isolation.
Start a Quote →Let’s Review Your Wind & Hail Options
We make it easier to understand your current deductible and compare available solutions for your home.
Tell Us About Your Home
Share your current home insurance information, property details and the wind and hail deductible you currently have.
We Compare Available Options
We review available wind and hail solutions, including standalone coverage and deductible buyback options when available.
You Choose Your Coverage
We explain the available options so you can decide which approach fits your property, financial goals and overall insurance program.
Wind & Hail Insurance Near You
Lavon Insurance serves homeowners throughout Texas, with a strong local focus on Lavon and surrounding North Texas communities.
Frequently Asked Questions
Common questions about wind and hail insurance, storm deductibles and deductible buyback options.
What is wind and hail insurance?
Wind and hail insurance provides coverage for eligible property damage caused by wind or hail. In many Texas homeowners policies, wind and hail are included as covered perils, although the deductible and coverage terms can differ from other losses. Separate windstorm coverage may be necessary in some coastal areas.
What is a wind and hail deductible?
A wind and hail deductible is the amount you are responsible for paying toward a covered wind or hail claim before the applicable insurance coverage pays. It may be a specific dollar amount or a percentage of the home’s insured value.
What is deductible buyback?
Deductible buyback, also called deductible buy down, is a companion insurance product designed to provide a benefit related to a qualifying deductible under an underlying homeowners or dwelling policy. The exact benefit depends on the policy.
Is deductible buyback the same as wind and hail insurance?
Not necessarily. Deductible buyback is generally designed to work alongside an underlying policy, while a standalone wind and hail policy is separate coverage focused on eligible wind and hail losses. Available products and coverage structures vary.
Can I buy standalone wind and hail insurance in Texas?
Separate wind and hail products may be available depending on your property, location, existing insurance and the insurance company. Texas Department of Insurance notes that coastal properties can have different windstorm insurance requirements than properties elsewhere in the state.
Does homeowners insurance cover hail in Texas?
In many parts of Texas, homeowners policies include wind and hail coverage. However, coverage, exclusions and deductibles vary, and coastal properties can have different requirements. Review your specific policy before assuming you have coverage.
How much is a wind and hail deductible?
The amount depends on your homeowners policy and insured value. If the deductible is percentage-based, the dollar amount can be substantial on a higher-value home.
Can I lower my wind and hail deductible?
Depending on the insurance company and products available, you may have options to change the deductible, purchase companion deductible protection or obtain separate wind and hail coverage. Availability varies by property and insurer.
Does wind and hail insurance cover my roof?
Eligible wind or hail damage to a roof may be covered under a policy that provides the applicable coverage. Roof coverage can depend on the policy form, roof age, materials, valuation method, exclusions and deductible.
Why should I review my wind and hail coverage before a storm?
Reviewing coverage before a storm gives you an opportunity to understand your deductible, coverage limits and available options. Insurance availability and underwriting conditions can change during periods of severe weather.
Be Ready Before the Next Texas Storm
Don’t wait until after wind or hail damages your home to discover how much your deductible could cost. Let Lavon Insurance help you compare available wind and hail coverage, including standalone and deductible buyback options.
Get a Wind & Hail QuoteOr call Lavon Insurance at (972) 853-8884
Insurance coverage, limits, deductibles, exclusions, eligibility, availability and pricing vary by insurance company, policy and property. Wind and hail coverage may be included in a homeowners policy or may require separate coverage depending on location and policy terms. This page is for general informational purposes and does not amend, replace or supersede any insurance policy. Please review your policy and speak with a licensed insurance professional about your specific situation.