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Most folks assume their deductible is a flat $500 or $1,000 no matter what hits the house. Check your policy again — a lot of Georgia homeowners carry a separate wind and hail deductible, and it isn’t a flat number at all. It’s usually a percentage of your home’s insured value, so a 2% wind/hail deductible on a $300,000 house comes out to $6,000, not $1,000.

That’s a number you want to know before a storm hits, not after a check is already in your hand. We walk every homeowner through their actual policy language during the inspection, because guessing wrong here is the difference between a manageable claim and a bill that wipes out the payout.