Hidden Weather Deductibles
Many policies bury separate deductibles for wind, hail, or named storms — often 2-5% of your dwelling value instead of a flat $2,500. That's $10,000+ out of pocket before coverage kicks in.
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C+
Policy Grade: C+
Adequate base coverage but significant gaps in flood, sewer backup, and high wind/hail deductibles that could leave you exposed.
This is a standard HO-3 homeowner's policy with $385K dwelling coverage. While fire and theft protection is solid, the policy has a punishing 5% named storm deductible ($19,250 out of pocket) and excludes flood, sewer backup, and dog breed liability entirely.
Covered
✓Fire, lightning, and explosion damage
✓Theft and vandalism up to dwelling value
✓Temporary housing up to 12 months if displaced
Not Covered
✗Flood damage of any kind — including storm surge
✗Sewer or drain backup (requires $50/yr endorsement)
✗Earthquake, sinkhole, or earth movement
Top Gotchas
⚠Named storm deductible is 5% ($19,250) — not the standard $2,500
⚠Jewelry capped at $1,500 per incident — most engagement rings exceed this
⚠Claims must be filed within 60 days or they can deny you entirely
Things to Verify & Consider
1
Ask your licensed agent whether flood insurance via NFIP or a private carrier makes sense for your specific area and risk tolerance — your policy appears to exclude flood entirely
The traps hiding in your insurance policy
What ReadMyPolicy catches that most people miss.
Jewelry & Valuables Caps
Standard homeowner's policies cap jewelry at $1,500 per incident. If your engagement ring costs more, a single loss could leave you uncovered.
Sewer Backup Exclusions
Nearly all standard policies exclude sewer and drain backup — a $10,000+ claim waiting to happen. A $50/year endorsement fixes this.
Dog Breed Liability
Pit bulls, rottweilers, and wolf hybrids are often excluded entirely from liability coverage. One bite could mean a six-figure lawsuit you pay out of pocket.
Short Claim Windows
Some policies require claims within 30-60 days of loss — not discovery. Miss the window and your claim is dead on arrival.
Home Business Exclusions
If you work from home, most policies exclude business equipment, client visits, and liability. One slip-and-fall and you're personally liable.
What users are saying
From people who used ReadMyPolicy.
“I've had this policy for 6 years and never really focused on the hurricane-deductible language until ReadMyPolicy surfaced it in plain English. Gave me a clear question to bring to my licensed agent the next morning. Useful as a starting point — outcomes from the conversation are between you and your agent.”
Sarah M.
Homeowner in Galveston, TX
“Figured $9.99 wasn't going to beat my agent's read. The summary surfaced a few things I hadn't been thinking about — jewelry sub-limits, breed exclusions, replacement-cost questions — that gave me a useful agenda for the next call with my agent. Individual experience; your situation will vary.”
Marcus D.
First-time homebuyer
“My renters policy mentioned 'water damage' but the language was nuanced. ReadMyPolicy gave me a plain-English summary of the carve-outs so I knew what to ask my agent about. Useful research input.”
Priya R.
Apartment renter
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