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Storm Deductible Calculator
Storm deductibles (hurricane, wind, hail) are often percentage-based and separate from standard. This calculator sizes them.
Applicable deductible
$300,000
Percentage calc
$300,000
Which applies?
Percentage ($300000)
How the math works
Storm deductible = greater of (TIV × %) and flat minimum. Applies per event.
Plan for worst-case deductible in liquidity reserves. Insurance broker should walk you through per-peril deductibles annually at renewal.
How to Use
- Enter TIV.
- Enter storm deductible %.
- Enter minimum deductible dollars.
- Read applicable deductible.
Frequently Asked Questions
Named storm vs wind?
Named storm = tropical storm/hurricane with a name. Wind = any wind event. Named storm often has higher deductible (5-10%) vs wind (1-3%).
How do I trigger?
Storm deductible triggers when NWS names a storm affecting the property. Wind deductible triggers at specific wind speeds (often 50+mph). Hail deductible triggers on reported hail event.
Can I opt out?
Some policies allow — you keep coverage but pay the deductible without discount. Reduces premium modestly. Only sensible if you have strong liquidity for the out-of-pocket.
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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