Deductible reimbursement
Get paid back for home and auto deductibles.
Shrink the Wind and Hail Deductible on Your Home
Many home policies carry a separate wind, hail or hurricane deductible, and it can run to tens of thousands of dollars. A deductible buy back brings what you pay after a storm down to as little as $5,000. Tell us where you live and a licensed broker will follow up. Currently serving California.
We shop the market for you, no broker fees
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
When the storm deductible is the problem
Here is how it plays out. A storm breaks the windows and tears up the roof, and the damage comes to $100,000. The home policy has a $30,000 storm deductible. With a buy back, the owner pays $5,000 to get repairs started and the buy back pays the other $25,000.
A big storm deductible
Your home policy has a high wind, hail or hurricane deductible, and paying it the week after a storm would hurt.
A home worth rebuilding
Your home is insured for at least $250,000 to rebuild.
What each half of this policy covers
What it usually covers
- Wind, hail and hurricane damage
- The part of your storm deductible above the lower amount you keep
- A covered loss under your home policy, even when the damage does not reach the full deductible
What it does not cover
- Anything your home policy does not cover. The buy back only works on that policy's deductible
- Homes insured for less than $250,000 to rebuild
Limits and terms
- 01
Up to $1 million
Limits go up to $1 million per policy.
- 02
As low as $5,000
You can bring your storm deductible down to as little as $5,000 per occurrence.
Who can apply
- Offered in all 50 states, California included
- Homes with dwelling coverage, the amount to rebuild, of $250,000 or more
Coverages that go with it
Homeowners insurance
Protect the home and what is in it.
What to have ready
- Your current home policy, with the insurer's name and the policy number
- The wind, hail or hurricane deductible listed on it, and how much it insures the house for
- Your ZIP code and the best way to reach you
Questions we get asked
Does the damage have to go over my deductible first?
No. It pays on a covered loss under your home policy even if the deductible is not met.
Will my home qualify?
Usually, if it is insured for at least $250,000 to rebuild. It is offered in all 50 states, including California.
What will I need when I make a claim?
Your home policy number and the name of your home insurer.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.