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Catastrophe Deductible Calculator
CAT deductibles differ from standard deductibles — they're percentage-based and can be enormous. This calculator sizes CAT exposure.
CAT deductible $
$1,000,000
CAT vs standard difference
$975,000
Multiple of standard
40
How the math works
CAT deductible = TIV × %. Scales with asset value.
Reserve equity or line-of-credit to cover CAT deductible. Without liquidity, a hurricane claim with 5% deductible on $20M = $1M immediately payable for owner's share. Plan ahead.
How to Use
- Enter total insured value (TIV).
- Enter CAT deductible %.
- Compare to standard deductible.
- Read CAT deductible $.
Frequently Asked Questions
Why percentage-based?
Catastrophes are rare but huge. Percentage deductible scales with asset value. On a $20M property, 5% CAT deductible = $1M out of pocket. Institutional buyers plan for this.
Typical %?
Hurricane: 2-5% (coastal 5-10%). Earthquake: 5-15% (California high-risk 15-25%). Wildfire: 2-5%. Named storm: 3-10%. Varies by carrier and region.
Is it all at once?
Yes — flat percentage per claim. Some policies have separate deductibles for each peril. Know which applies and budget for worst-case.
How do insurance carriers view this?
Insurance carriers underwrite per-peril and often stack deductibles — named storm, wind, hail, flood, and standard can all apply separately on a single event. Confirm with your broker which deductibles actually apply to your policy and stress-test liquidity against the highest applicable deductible. Endorsements and riders can modify base terms; read declarations carefully and keep a written summary on file for claim time.
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