Under the Texas HO-B policy, what causes is Deductible Clause 1 specifically used for?

The Deductible Clause 1 under the Texas HO-B policy specifically addresses the risks associated with windstorm, hurricane, or hail. This clause reflects the unique exposure to such perils in Texas, where significant weather events can lead to substantial property damage. By implementing a deductible that is explicitly tied to these types of claims, insurance companies can manage the increased risk and financial impact of these natural disasters.

The distinction of this deductible from others is important for policyholders, as it can lead to different out-of-pocket costs during a claim for damages caused specifically by windstorm, hurricane, or hail. Other categories such as theft, fire, or flood may have their own deductibles or may not fall under the same specific deductible clause, emphasizing the targeted nature of this particular deductible mechanism.