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At a time when policyholders are facing higher premiums and a greater probability of hurricane damage, agents need as many tools as possible to assist their clients in having adequate coverage. One area that is especially of focus is wind deductibles. Retail agents have become all too familiar with the changes that insurance carriers have made concerning wind deductibles. Over the past several years, deductibles have reached higher levels that include deductibles of two percent, three percent, and five percent. Deductibles of seven and 10 percent are seen as well.

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