THINKING OF FILING A CLAIM?

4 August 2025

Before filing an insurance claim, it’s important to contact your insurance agent or provider. In Mississippi, policy structures have changed over the years—particularly when it comes to storm-related coverage and deductibles. What your policy covered five years ago might not be the same today.

Understanding Deductible Differences
A common misconception among homeowners is that their standard policy deductible applies to all types of claims. In reality, most Mississippi homeowners insurance policies now include separate deductibles for wind and hail damage—and these are often significantly higher than your regular deductible.

Here’s the difference:
  • Standard (All-Perils) Deductible: Usually a flat amount—often around $1,000. This applies to general claims like fire or theft.
  • Wind/Hail Deductible: Often a percentage of your home’s insured value—typically 1% to 5%.

Example:
If your home is insured for $300,000 and you have a 2% wind/hail deductible, you’d be responsible for $6,000 out of pocket before insurance pays for storm-related roof repairs—even if your standard deductible is only $1,000.

Questions to Ask Your Insurer Before Filing a Claim

To avoid surprises and make informed decisions, ask your agent:
  • What is my current deductible amount—and how is it applied?
  • Do I have a separate wind/hail or named storm deductible?
  • Is my policy based on replacement cost value (RCV) or actual cash value (ACV)?

Consulting your insurer ahead of time helps you fully understand your financial responsibility and determine whether filing a claim makes sense based on your deductible and the extent of the damage.

Need help assessing roof or exterior storm damage before contacting your insurance company?

Call Sumrall Construction & Roofing for a free, no-pressure inspection. We’ll give you the facts—so you can make the best decision for your home.