Wind and hail percentage deductible calculator
Turn a percentage deductible into dollars, including separate commercial buildings.
Percentage deductible
Turn a percentage into a dollar comparison
Enter the value shown by your policy. Commercial users can see a separate illustration for each building.
Choose the policy type so the basis matches the illustration.
Use the label that matches the policy's deductible wording.
HO 03 12 uses Coverage A for this percentage illustration.
Enter the percentage stated for this peril or use a quick pick to compare.
Quick slider for the percentage deductible; the primary field above accepts the full range.
Enter an estimate only if you want a below-or-above-deductible comparison.
What-if deductible comparison
Test a different wind or hail percentage without changing the worksheet percentage, permalink, or primary result. The same property, BPP, building, and repair inputs are used.
Enter a comparison percentage only. It is not saved in the worksheet or shared link.
Illustrated result
Enter an insured value greater than zero, or add positive commercial building limits, to see the illustration.
Related tools and reading
Frequently Asked Questions
What value does the percentage use?
This tool uses the Coverage A or total insured value you enter. A commercial per-building illustration uses each building limit separately when that mode is selected.
Does a percentage deductible determine payment?
No. It only illustrates the dollar deductible. Coverage, exclusions, limits, causation, and policy wording still need review.
Why compare the estimate with the deductible?
It shows whether the entered estimate is below the illustrated deductible. It does not decide whether a claim is covered or how multiple buildings are adjusted.
What record proves the input?
Use the declarations page, current schedule, statement of values, endorsements, and repair estimate that support each field.
Policy provisions · Last reviewed September 16, 2026
- ISO HO 03 12: the homeowners percentage applies to the Coverage A dwelling limit. ISO CP 03 21: the commercial percentage applies per occurrence, separately to each building and its business personal property, using the limit for that property or its stated value when blanket coverage applies. Last reviewed September 16, 2026.
Supporting Records Needed
- Declarations page showing Coverage A or total insured value
- Peril, named-storm, or wind-and-hail wording and endorsements
- Commercial statement of values or building schedule
- Repair estimate and photos supporting the estimate
Related Reading
Educational illustration based on your inputs. Not legal, coverage or claim advice. Your policy language controls.
Wind and hail percentage deductible calculator Summary
Generated on
The linked URL in a saved PDF reopens these inputs. The worksheet values are printed below.
Inputs
| Policy type | HomeownersSource: The policy type selected by the user; read the applicable wording in your policy. |
| Property value | $0.00Source: Coverage A or commercial property value entered by the user; read the applicable wording in your policy. |
| Percentage | 1%Source: The percentage selected by the user; read the applicable wording in your policy. |
| Display label | Wind and hailSource: The peril label selected by the user; read the applicable wording in your policy. |
| Commercial basis | Coverage ASource: The commercial or homeowners basis selected by the user; read the applicable wording in your policy. |
| Per-building mode | OffSource: The commercial building treatment selected by the user; read the applicable wording in your policy. |
| Repair estimate | Not enteredSource: The optional estimate entered by the user; read the applicable wording in your policy. |
Results
Policy provisions · Last reviewed September 16, 2026
- ISO HO 03 12: the homeowners percentage applies to the Coverage A dwelling limit. ISO CP 03 21: the commercial percentage applies per occurrence, separately to each building and its business personal property, using the limit for that property or its stated value when blanket coverage applies. Last reviewed September 16, 2026.