How to use the calculator
Find your Coverage A (dwelling) limit and your wind/hail deductible percentage on the declarations page. Enter both, plus your flat all-other-perils deductible and the estimated size of the loss. The tool shows the percentage deductible in dollars, what the insurer would pay under each deductible, the extra you pay out of pocket because of the percentage, the deductible as a share of the loss, and the break-even loss size.
The math in plain words
A percentage deductible is calculated on the dwelling limit, not on the size of the loss. So the dollar deductible is Coverage A times the percentage. Payment under each option is the loss minus that deductible, never less than zero. The extra out-of-pocket is the difference between the two deductibles, up to the size of the loss. The break-even loss size is simply the dollar deductible: any covered loss below it pays nothing.
An illustrative example
Illustrative figures only: a home with $300,000 of Coverage A and a 2% wind/hail deductible has a $6,000 deductible. On a $14,000 hail claim, the insurer pays $8,000. With a flat $1,000 deductible it would pay $13,000, so the percentage costs $5,000 more. A $5,500 claim would pay nothing.
What the result does and doesn’t mean
The calculator assumes the deductible applies to the whole loss. Real policies differ: some apply the percentage only to named storm, hail or windstorm losses, some set a minimum dollar amount, and some apply it per occurrence across several buildings. The deductible is also subtracted from what the loss is actually worth, so if the estimate is short, the deductible eats a larger share of a smaller number. Check the exact endorsement wording before relying on the result.
Kentucky context
Percentage wind and hail deductibles show up on many Kentucky policies, especially after rounds of spring hail across the Bluegrass and western Kentucky. Because the deductible is fixed, every dollar the estimate is low comes straight out of your recovery. If the carrier’s number barely clears the deductible, it is worth checking the scope before accepting it; our tornado and wind appraisal page explains how pricing disputes on storm claims are handled, and the appraisal payoff estimator helps you weigh whether appraisal is worth it.
Questions about the percentage deductible calculator
Is a percentage deductible based on the loss or the dwelling limit?
On most policies it is based on the Coverage A dwelling limit shown on the declarations page, not on the size of the loss. Check your endorsement for the exact wording.
Can appraisal change my deductible?
No. Appraisal sets the amount of loss. It can change the number the deductible is subtracted from, but not the deductible itself.
Is my policy information stored?
No. The calculation runs in your browser and nothing is saved or sent to us.