Hail deductibles on Front Range commercial property

Colorado sees significant hail activity, and it is common for commercial property policies here to separate wind and hail from the all-other-perils deductible.

As an illustration: a 2% wind/hail deductible on a $4M building would be $80,000 out of pocket before the policy responds — a very different number than a $10,000 AOP deductible on the declarations page. Your own figures depend on your policy.

Review the deductible structure, the valuation basis (replacement cost vs actual cash value on the roof), and any cosmetic damage exclusion at every renewal.

Placeholder article content. Replace with your own commentary before publishing.