Wind/Hail Deductible Buyback

Offered by Orchid Insurance

Wind Buyback Deductible Buyback Specialty Programs Wind Deductible Buy Backs Deductible Buydown Wind


In areas across the United States that experience frequent severe storms, windstorm coverage is a necessity for businesses. Unlike the fixed dollar deductibles assigned to damages from a fire, plumbing or theft in a primary policy, windstorm deductibles amount to a percentage of the total insured value of a business. Depending on the location, the level of these percentages can range from 1-5 percent. Although these percentages may seem small, these deductibles can mount quickly in areas prone to hurricanes and severe storms.

One way to get around the higher windstorm deductibles is to purchase buyback coverage to buy down an increment or two from the percentage tied to their primary commercial property insurance. Savings toward deductibles can be significant.

  • In-house capacity of $20 million per location all interest (building, contents, loss of income)
  • Max Limit of Liability: $1,000,000
  • Minimum earned premium is generally fully earned unless otherwise agreed


Appointment Required

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Multiple Markets Available


Rating A- or Better

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Orchid Insurance

33 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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