Hidden Weather Deductibles
Many policies bury separate deductibles for wind, hail, or named storms — often 2-5% of your dwelling value instead of a flat $2,500. That's $10,000+ out of pocket before coverage kicks in.
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What does your policy actually cover? Find out in 30 seconds.
Upload any policy — home, auto, renters, health, business, umbrella. See exclusions, deductibles, and coverage gaps in plain English. Informational only — bring your agent into any coverage decision.
Document type
Homeowners Insurance Policy — Section IV
Renewed coverage period, $500K dwelling limit
Reviewed
3 flags
IV.3
Loss settlement for roof surfacing on dwellings 15 years of age or older shall be on an actual cash value basis, reflecting depreciation.
noteACV roof rider. Costs you 30-60% at claim time.
VI.1(c)
Theft of jewelry, watches, precious and semi-precious stones is limited to a maximum recovery of $1,500 per occurrence.
noteHard sub-limit. Easy to schedule separately.
VII.4
This policy does not provide coverage for damage caused by water that backs up through sewers or drains, or which overflows from a sump pump.
noteCommon gap. Endorsement ~$50/yr.
Sample output / Not your document
ReadMyPolicy
Plain‑English summary · about 30 seconds
32 policies scanned in the last hour
Stripe-secured·Report in ~30s·Refund if we can't parse it
By continuing you agree to our Terms and understand this is an AI-generated informational summary that may contain errors. AI can be wrong even when it sounds confident. You are responsible for verifying the output and for any decision you make based on it. Not legal, financial, insurance, or professional advice.
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The output, before you pay
See the exact report.
Sample output
C+
Adequate base coverage but significant gaps in flood, sewer backup, and high wind/hail deductibles that could leave you exposed.
Reviewed
This is a standard HO-3 homeowner's policy with $385K dwelling coverage. While fire and theft protection is solid, the policy has a punishing 5% named storm deductible ($19,250 out of pocket) and excludes flood, sewer backup, and dog breed liability entirely.
ok
Fire, lightning, and explosion damage
ok
Theft and vandalism up to dwelling value
flag
Flood damage of any kind — including storm surge
flag
Sewer or drain backup (requires $50/yr endorsement)
note
Named storm deductible is 5% ($19,250) — not the standard $2,500
note
Jewelry capped at $1,500 per incident — most engagement rings exceed this
Bring to your agent
"Ask your licensed agent whether flood insurance via NFIP or a private carrier makes sense for your specific area and risk tolerance — your policy appears to exclude flood entirely"
Sample output / Not your data / Pay only when you have your own
The traps hiding in your insurance policy
What ReadMyPolicy catches that most people miss.
Jewelry & Valuables Caps
Standard homeowner's policies cap jewelry at $1,500 per incident. If your engagement ring costs more, a single loss could leave you uncovered.
Sewer Backup Exclusions
Nearly all standard policies exclude sewer and drain backup — a $10,000+ claim waiting to happen. A $50/year endorsement fixes this.
Dog Breed Liability
Pit bulls, rottweilers, and wolf hybrids are often excluded entirely from liability coverage. One bite could mean a six-figure lawsuit you pay out of pocket.
Short Claim Windows
Some policies require claims within 30-60 days of loss — not discovery. Miss the window and your claim is dead on arrival.
Home Business Exclusions
If you work from home, most policies exclude business equipment, client visits, and liability. One slip-and-fall and you're personally liable.
What users are saying
From people who used ReadMyPolicy.
“I've had this policy for 6 years and never really focused on the hurricane-deductible language until ReadMyPolicy surfaced it in plain English. Gave me a clear question to bring to my licensed agent the next morning. Useful as a starting point — outcomes from the conversation are between you and your agent.”
Sarah M.
Homeowner in Galveston, TX
“Figured $9.99 wasn't going to beat my agent's read. The summary surfaced a few things I hadn't been thinking about — jewelry sub-limits, breed exclusions, replacement-cost questions — that gave me a useful agenda for the next call with my agent. Individual experience; your situation will vary.”
Marcus D.
First-time homebuyer
“My renters policy mentioned 'water damage' but the language was nuanced. ReadMyPolicy gave me a plain-English summary of the carve-outs so I knew what to ask my agent about. Useful research input.”
Priya R.
Apartment renter
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What you get
- —Plain-English summary of covered and excluded items
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Jun 01, 2026
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Frequently asked questions
Everything you might be wondering before paying.
How does ReadMyPolicy work?
Paste or upload your policy. Our AI reads every clause, exclusion, and footnote, and returns a plain-English summary: what appears to be covered, what appears to be excluded, sub-limits and deductibles to be aware of, and questions to bring to your licensed agent. About 30 seconds. Informational only.
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Can I upload a PDF of my policy?
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How accurate is the summary?
AI can make mistakes — sometimes confidently. The summary may contain factual errors, miss context, or misinterpret the policy text you submitted. Treat the output as a starting point for a conversation with your licensed agent, not a definitive coverage opinion. For claim disputes or high-stakes decisions, your agent or a licensed attorney is the right call.
What if the summary is wrong?
You are responsible for verifying every detail (deductible amounts, exclusion language, sub-limits, named clauses) against the source policy and with your licensed agent before acting. We're not liable for decisions you make based on inaccurate output. If the analysis itself won't run, our refund policy covers that.
What types of insurance can it summarize?
Homeowners (HO-3, HO-5, HO-6), renters, auto, condo, landlord, umbrella, most personal lines. Works on business and health too — just slightly less detailed on those because the policies are weirder.
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Is this insurance advice? Can it replace my agent?
No. ReadMyPolicy is an informational summary tool. We are not a licensed insurance producer, broker, or agent. Use the summary to know what questions to bring to your licensed agent — they're the right person for any actual coverage decision.