A 5% wind and hail deductible on a $10 million building equals $500,000 out of your pocket. The carrier pays nothing until storm damage passes that threshold. Owners often discover this only after a claim, so check how your apartment building wind and hail deductible is calculated today, and then compare it against your reserves. Percentage deductibles often apply per building or per occurrence, which can multiply your exposure fast. You can’t negotiate after the storm hits.