Your wind and hail deductible in Gregg County comes from your own policy, not a single county-wide percentage. It may be a dollar amount or a percentage of your insured dwelling limit. Convert it to dollars before comparing quotes.
What does a percentage deductible mean?
A 2% wind and hail deductible on a $300,000 insured dwelling limit equals $6,000. It is calculated from the insured limit—not 2% of the repair bill. For a covered $10,000 loss, that example leaves $4,000 before any other settlement adjustments.
The figures are an illustration, not an available quote or a recommended deductible. Your declarations page and endorsements show the deductible that applies to your home. Ask whether wind/hail, named-storm, and other-loss deductibles differ.
Replacement cost, actual cash value, and roof schedules
Replacement cost generally values covered repairs or replacement without depreciation, subject to policy terms, limits, and your deductible. Actual cash value generally includes depreciation for age and condition. Recovering depreciation under replacement cost may require completed repairs and supporting records.
Some roof endorsements use a payment schedule or limit cosmetic-damage coverage. Check the actual roof terms separately from the deductible. A low deductible does not establish how much the policy will pay for an aging roof. Explore our Texas roof coverage guide.
Questions to ask before choosing coverage
What is the wind and hail deductible in dollars today?
How would an increase in the dwelling limit affect that amount?
Is roof damage settled at replacement cost, actual cash value, or under a schedule?
What repairs, documentation, or time limits apply to recovering depreciation?
Does the policy limit cosmetic damage or particular roofing materials?
If you are replacing a roof, ask the insurer about any available impact-resistant roofing credit and the documentation required. A qualifying roof does not guarantee a discount under every policy.
Prepare for the next East Texas storm
Keep your declarations page, roof age, installation records, and recent photographs together. Report damage promptly and check your policy’s claim requirements. Ask the insurer or agency about applicable deadlines rather than relying on a general timeline.
For Longview, Gladewater, Kilgore, and other Gregg County homes, compare the deductible, roof settlement, exclusions, and premium together. Read our homeowners insurance checklist and Longview hail preparation guide.
Request a home insurance coverage review or call 903-372-1901. Greg Williams Insurance Agency can help you read the deductible and roof terms on your current policy.
Sources: Texas Department of Insurance deductible guidance, TDI replacement cost and actual cash value comparison, and TDI roof insurance guidance.
Reviewed October 3, 2026. Coverage, settlement, deductibles, exclusions, and eligibility depend on the issued policy and insurer underwriting. This guide does not change your policy; requesting a quote does not bind coverage.
