Why percentage deductibles catch people off guard
In hail country, many homeowners policies carry a separate wind/hail deductible written as a percentage of Coverage A. On an illustrative $310,000 dwelling limit, 2% is $6,200 — even if the all-other-perils deductible is $1,500.
Where to find yours
Look on the declarations page for “wind/hail,” “windstorm or hail” or a similar label. The endorsement later in the policy explains when it applies.
How it interacts with appraisal
An appraisal panel decides the amount of loss; the deductible is subtracted afterward. A loss that barely clears a percentage deductible may not justify appraisal fees. Run the result through the claim gap & fee estimator before deciding.
Questions about this tool
Does the percentage apply to the whole claim?
It’s usually calculated from Coverage A but applied to the entire wind or hail loss, including other structures and contents. Policy wording controls.
Can I change it?
Usually at renewal. A higher deductible lowers premium but raises your share of every storm loss.