Insurance policy choice

[Mike L.]

Question for you veteran landlords out there - would you trade 2000/yr in premium savings for a 25k higher deductible for wind and hail (includes tornado) all else equal assuming I have the cash to self insure? Policies are literally identical other than the wind/hail deductible (current policy is 2500 and potential new carrier is 28k - 2% of replacement limit which is 1.4m). Building (and roof/siding) are about 20 years old and I estimate roof replacement to be about 30k - location is southern Wisconsin where we do have have some hail/ tornado risk but not as much as other parts of the midwest.