An all-other-wind deductible — often bundled with hail — applies to wind losses that fall outside the named-storm or hurricane definitions: severe thunderstorms, straight-line wind, derechos, and similar events. It is usually a smaller percentage or a flat dollar amount, but on a large property it can still represent meaningful exposure.
Where it fits
Because wind and hail events happen far more frequently than named storms, the all-other-wind deductible can be triggered more often, even if each event is smaller. For some owners — particularly those with large roof areas vulnerable to hail — this deductible is a recurring cost worth addressing. A buy-down can be structured around it alongside, or instead of, the named-storm deductible, depending on where the property’s real exposure lies.