Farmers Insurance & TAPCO:

Bridging the Wind & Hail Deductible Gap

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As storm damage becomes more frequent and severe, many insurance carriers are raising wind and hail deductibles—sometimes to levels that can feel overwhelming. That’s why Farmers Insurance® has teamed up with TAPCO to offer a smart solution: the Wind & Hail Deductible Buy Back program.

This exclusive option helps homeowners and business owners reduce their out-of-pocket exposure and take control of their coverage.

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If a homeowners policy has a 2% wind/hail deductible on a $600,000 home, the owner is responsible for the first $12,000 of damage. With our TAPCO Buy‑Back option, they can reduce that out‑of‑pocket amount to as little as $2,500 or $5,000.

In a wind or hail claim, the primary carrier won’t pay until the full $12,000 deductible is met. The TAPCO policy steps in to cover the gap — paying the portion above the insured’s chosen $2,500/$5,000 level up to the full $12,000 deductible.