We have a claim involving interior water damage from a roof leak. The policy is a homeowners with all risk coverage on the building. The policy has a $1,000 wind deductible and a $250 hazard deductible.
Inspection of the property revealed the interior water damage was from a leak around the flashing on the roof and was not caused by wind.
Which deductible applies?
Texas Subscriber
If wind was not involved in the leak than the standard home deductible will apply. A wind deductible is applied only when the loss is caused by the wind. The deductible that applies is the one related to the immediate loss. The wind deductible applies only when the peril of windstorm or hail causes the loss. No other deductible applies in such an event.