Plain-English meaning
A separate deductible for covered wind or hail damage, stated as a flat amount or percentage.
Why it matters
It can create a much larger out-of-pocket amount than the ordinary deductible.
Where you may see it
Declarations, wind endorsements, state notices, and roof-coverage changes.
What to verify
Trigger, percentage base, minimum, roof-specific terms, and interaction with hurricane or named-storm deductibles.
Do not confuse it with
A cosmetic-damage exclusion or actual-cash-value roof settlement.
For policy-specific meaning, read the definition and related provision in the issued policy.