A percentage deductible sounds small until it's a dollar figure.

Wind and hail deductible calculator: what the percentage actually costs you.

Coastal and hail-belt policies increasingly carry a separate wind/hail or hurricane deductible stated as a percentage — 1%, 2%, 5% — of your dwelling coverage, not of the damage. Five percent of a $400,000 Coverage A is $20,000 out of your pocket before the policy pays a cent. Run yours:

Dwelling coverage (Coverage A, from your declarations page) — $ Your wind/hail deductible (percent)

Your deductible in dollars will appear here.

The worked table

Dwelling coverage	1%	2%	5%
$250,000	$2,500	$5,000	$12,500
$400,000	$4,000	$8,000	$20,000
$600,000	$6,000	$12,000	$30,000

Why this deductible ambushes people

It applies per wind/hail event, separately from your standard deductible — two deductibles in one policy, and the bigger one governs storm claims.
It scales with your home's insured value, so it grows at every renewal even if your risk doesn't.
It stacks with the holdback: after a storm you can face the percentage deductible out of pocket and a depreciation holdback to chase. Run both numbers — the main checker takes the deductible as an input for exactly this reason.
In several Gulf and Atlantic states the percentage deductible only triggers for named storms or hurricanes as the state defines them — worth one read of your declarations page before the season, not after.

Included in the $39 DepreciationDecoded Kit

The deadline calendar worksheet: notice date, completion date, living-expense end, suit deadline — your dates entered once, every clock on one page
The proof packet: the completion-evidence checklist (final invoice, photos tied to the scope of loss, completion certificate) plus the submission letter that asks for release in the insurer's own language
The supplement request pack: how to document missed line items and code-required items, catch depreciation applied twice to the same line, and argue overhead and profit on multi-trade jobs — in the estimate's own line-item language

Get the $39 DepreciationDecoded Kit

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