Some deductibles have been restored.  The Mississippi wind pool board adjusted insurance deductibles, February 28, 2008, to avoid inadvertent rate increases.  The board restored deductible options of $500, $1000, and $2500 on unnamed storms. Prior change on October 1, 2007 only allowed a deductible of $500 on unnamed storms, while named storms were added at that time.  The intention at that time was to give homeowners a break if they chose named storm deductibles higher than 2 percent.  But homeowners who previously had a higher deductible on unnamed storms in some cases wound up with higher rates even if they increased their named storm deductible.  With staggered deductibles in both categories, South Mississippi homeowners who must buy their wind coverage from the pool can increase their savings.  The wind pool made the unnamed storm deductible option retroactive so homeowners who have renewed their policies since October 1 can receive credit, said the Coast board member David Treutel Jr.