With a hurricane looming, it might be a good time to note that the Texas Windstorm deductible has been increased this year. As I recall our deductible last year was about $5,000. This year the least amount allowed will be 1%. Since our property coverage is about $7,8000,000 that means the first $78,000 is our expense. I have copied the data below from the TWIA website. This has not been communicated to all owners, but I guess it will be in due time.
Commercial
Insured Item: All commercial, including Farm and Ranch Barns, Miscellaneous Farm Property, Apartments, Townhouses, Condos			Available deductibles:
			Standard Deductible - 1%, 2%, and 5% (with $1,000 minimum) per item, per occurrence.
For full details, see TWIA Instructions and Guidelines Manual pp. 21-22 and 24-25.