If you are a homeowner in Wisconsin, it is more important than ever to understand how your home insurance policy responds to roof claims. Insurance carriers are the primary source for policy changes, and reviewing renewal notices and policy documents is critical. That said, many Wisconsin insurance companies are making similar changes that could significantly increase your out-of-pocket costs if you have a roof claim. These changes are becoming common across the state and may already apply to your policy. What Is Changing and Why It Matters Higher Wind and Hail Deductibles Many insurers are increasing how much homeowners must pay before coverage applies for wind or hail damage. Instead of a traditional flat deductible, policies may now use: A flat deductible, such as $5,000 A percentage-based deductible tied to your home’s insured value Example: If your home is insured for $350,000 and your wind or hail deductible is 1%, you would pay $3,500 before insurance covers the remainin...
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