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Calcimator

Wind & Hail Deductible Calculator

Calculate your percentage deductible cost for wind and hail damage and compare it to standard deductible options.

Inputs

$
%
years

Results

Your Deductible Amount

$7,000.00

≈ 7 smartphones

Estimated Roof Replacement$8,750.00
Your Cost per Claim$6,563.00
Insurance Pays per Claim$0.00
Annual Premium Savings$300.00
Break-Even Period23.3 years
Net Annual Cost$356.25
How to Use This Calculator
  1. Enter your home's dwelling coverage amount.
  2. Set the wind/hail deductible percentage from your policy (commonly 1–5%).
  3. Review the dollar amount of the wind/hail deductible.
  4. Compare this to a potential roof replacement cost to gauge your out-of-pocket exposure.
  5. In high-risk coastal or tornado-prone areas, consider a higher premium for a lower percentage deductible.

How the result changes with Dwelling Value

Dwelling ValueYour Deductible Amount
$245,000.00$4,900.00
$732,500.00$14,650.00
$1,317,500.00$26,350.00
$1,805,000.00$36,100.00

What each input means

Dwelling Value
Replacement cost of your home.
Wind/Hail Deductible
Percentage deductible for wind/hail claims. Common in coastal and tornado-prone areas.
Roof Age
Age of your current roof in years.
Roof Type
0 = Asphalt shingles, 1 = Metal, 2 = Tile, 3 = Wood shake.
Expected Storm Claims per Year
Average number of hail/wind damage claims per year in your area. 0.1 = once per decade.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Dwelling Value = 350000, Wind/Hail Deductible = 2, Roof Age = 10, Roof Type = 0 = 5 input(s) provided
  2. Calculate Your Deductible Amount
    7000 = $7,000
  3. Calculate Estimated Roof Replacement
    8750 = $8,750
  4. Calculate Your Cost per Claim
    Your Cost per Claim
    6563 = $6,563

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