Texas FAIR Plan deductibles in 2026: what changed, and what it means for your roof
If your home is insured through the Texas FAIR Plan, the 1% wind and hail deductible is no longer offered. Here is what changed, what a percentage deductible costs on your house, and why your roof's age matters more on this policy.
Last verified October 1, 2026
The FAIR Plan removed its 1% wind and hail deductible
- The Texas FAIR Plan Association (TFPA) eliminated the 1% wind and hail deductible option for TFPA homeowners' policies, effective on or after July 1, 2026.
- Policies that carried a 1% wind and hail deductible automatically change to 2% at policy renewal.
- Wind and hail deductible options are now 2%, 3%, 4% and 5%. All other perils deductibles are 1% through 5%.
- Separate (split) deductibles for wind and hail and for all other perils are permitted.
- Deductibles cannot be changed on policies currently in force.
Source: TFPA announcement. We re-checked these against TFPA's page on October 1, 2026. Policy details can change, so confirm yours with your agent.
Only TFPA policyholders
This change applies to policies written by the Texas FAIR Plan Association. It does not change the deductible options on policies from standard insurance carriers, which set their own.
The FAIR Plan is Texas's residential insurer of last resort. To be eligible, an applicant must have been denied coverage by at least two insurance companies licensed to write and actually writing property insurance in Texas, and cannot have a valid offer of comparable coverage from a licensed Texas insurer. FAIR Plan policyholders must also reapply in the standard market every two years.
Sources: TFPA coverage eligibility and Texas Department of Insurance FAIR Plan overview.
What a percentage deductible costs on your house
Enter your dwelling coverage from your declarations page to see the dollar amount of each option TFPA offers.
A percentage deductible is a percentage of your dwelling coverage, not of the repair bill.
Why roof age matters on this policy
TFPA's homeowners policy pays actual cash value by default, which TFPA describes as replacement cost minus depreciation. Replacement cost coverage is available by endorsement for additional premium, if the dwelling is insured for 100% of replacement cost.
Source: TFPA summary of coverages.
On an actual-cash-value policy, an older roof is worth less on paper, so the policy pays less toward replacing it. The Texas Department of Insurance publishes an example:
A $10,000 roof on a house insured for $200,000. TDI's example uses a 2% deductible ($4,000).
| Roof age | Roof's value | Minus deductible | Policy pays |
|---|---|---|---|
| 5 years | $8,500 | −$4,000 | $4,500 |
| 10 years | $7,000 | −$4,000 | $3,000 |
| 20 years | $4,000 | −$4,000 | $0 |
Source: Texas Department of Insurance example, as published by TDI.
How a roof loss is settled on your policy depends on the policy language and any endorsements. Read the loss settlement section, and ask your agent to explain it for your roof's age in writing.
Questions to ask your agent
- What will my wind and hail deductible be in dollars after renewal?
- Is my deductible split between wind and hail and all other perils?
- Is my roof covered at actual cash value or replacement cost, and what would a roof claim pay at my roof's age?
- Does my policy have any cosmetic damage exclusion or roof-specific limit?
- When do I have to reapply in the standard market, and what do carriers look at on my roof?
- Does the FAIR Plan offer any premium credit for an impact-resistant roof on my policy?
Get the answers in writing before you decide anything.
What we can and cannot do
Atrium does not sell insurance and cannot tell you which policy to hold. We are a civil-engineer-owned roofing company.
What we can do is document your roof. Our free engineer-led assessment gives you written findings on the roof's condition that you can show your agent or carrier, whether or not you hire us. If you do replace the roof, your Power Package includes the paperwork your carrier may ask for.
If you are weighing an impact-resistant roof, our estimator lets you enter your own policy numbers. Whether your carrier credits an impact-resistant roof is its decision.
More on Texas roof insurance: our roof insurance claims guide and the Texas deductible law explainer.
Texas FAIR Plan FAQs
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