insurance deductible calculator
Homeowners insurance deductibles can be confusing—especially after hail or wind damage. This calculator helps you estimate what you may owe out of pocket based on your deductible type (flat-dollar or percentage) and your home’s insured value (Coverage A).
Use the tool below for a quick estimate, then scroll for clear explanations, examples, and tips to avoid surprises during the claim process.
Insurance Deductible Calculator
Estimate your deductible for a homeowners claim (hail, wind, or other covered losses).
How to Find Your Deductible
Your deductible is listed on your insurance declarations page. Look for wording like “All Perils Deductible,” “Wind/Hail Deductible,” or “Named Storm Deductible.” Some policies have a flat deductible (example: $1,000), while others use a percentage (example: 2% of Coverage A).
Flat vs Percentage Deductibles (Quick Explanation)
A flat deductible stays the same no matter your home value. A percentage deductible is calculated from your dwelling coverage (Coverage A). For example, a 2% deductible on a $300,000 Coverage A policy equals $6,000.
What You May Pay Out of Pocket
In most claims, your deductible is your portion of the loss. The carrier’s payment can vary depending on depreciation, settlement type (ACV vs RCV), and policy endorsements. This calculator provides a helpful starting estimate.
If you’re in Oklahoma City, Moore, Norman, or Edmond and think you have hail or wind damage, we can help you confirm the damage and understand your deductible before moving forward. If the roof is truly storm damaged, proper inspection photos and documentation make the claim process much smoother. Last year we completed over 100 roof replacements in Oklahoma City alone.
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A percentage deductible is calculated as a percentage of your dwelling coverage (Coverage A). For example, if Coverage A is $300,000 and your deductible is 2%, your deductible would be $6,000.
Some policies have a separate deductible for wind and hail claims. It may be flat or percentage-based and can differ from your “all perils” deductible.
Both are typically listed on your declarations page (policy summary). Coverage A is your dwelling coverage amount and is used for percentage deductibles.
In many claims, the deductible is your portion of the loss. The carrier’s payment is generally the approved amount minus your deductible, subject to your policy terms.
Yes. Deductibles can change at renewal or if you change policy options. Always verify your current declarations page before estimating costs.
No. It’s a ballpark tool. Final claim payments can be affected by depreciation, exclusions, endorsements, and policy settlement type.
If your insurance company denies your roof replacement claim, it does not always mean the damage isn’t real or that replacement isn’t justified. Many denials occur because damage was overlooked, misclassified as wear and tear, or not fully documented during the initial inspection.