Finance category
Mortgage, loan, investing, tax, and money calculators.
Wind Deductible Calculator
Coastal and hurricane-exposed properties have separate wind or 'named-storm' deductibles — typically 3-5% of building value. A $2M building with 5% wind deductible eats $100K before insurance pays. This calculator sizes the deductible gap versus the standard all-perils deductible.
Wind / named storm deductible
$100,000
Claim payout (after ded)
$50,000
Gap vs all-perils deductible
$95,000
Deductible as % of claim
66.7%
How the math works
Coastal properties (FL, LA, TX Gulf) commonly carry 3-5% named-storm deductibles — $60-$100K on a $2M building. This kicks in specifically on named windstorms; regular wind damage uses the all-perils deductible. Huge difference at claim time.
Wind mitigation credits (hurricane straps, impact windows, upgraded roof) can reduce wind deductibles by 10-25%. Required documentation and inspector sign-off but very worth pursuing.
How to Use
- Enter building replacement cost.
- Enter wind / named storm deductible percent.
- Enter standard all-perils deductible.
- Enter estimated wind claim.
- Read deductible, claim payout, and gap vs standard deductible.
Frequently Asked Questions
Named storm vs wind?
Named storm = officially named tropical storm or hurricane. Regular wind = tornado, microburst, severe wind without name. Some policies treat both as 'wind deductible'; others separate. Read the policy wording.
Mitigation credits?
Florida and Texas allow documented wind mitigation (hurricane straps, impact glazing, upgraded roof) to reduce wind deductible. Annual savings can be 10-25% — very worth the mitigation cost.
Annual aggregate vs per-event?
Per-event is standard — each named storm triggers deductible independently. Annual aggregate caps total out-of-pocket but is rare and pricey. Most coastal landlords stick with per-event.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
Wholesale Assignment Profit Calculator
Size wholesaler assignment fee — purchase contract price, assignee price, and net profit after marketing and holding cost.
Next calculator
Window Replacement Payback Calculator
Payback on upgrading from single-pane or old double-pane to modern low-E triple-pane windows — energy savings and tax credit.