Why a percentage deductible can surprise you
Most Pennsylvania homeowner policies use a flat deductible, but some carry a separate percentage deductible for wind and hail, and the number is calculated from Coverage A — the dwelling limit. On an illustrative $310,000 dwelling limit, a 1% deductible is $3,100 and a 2% deductible is $6,200.
Where to find yours
Look on the declarations page for “windstorm or hail,” “wind/hail” or a percentage next to the deductible line. Endorsements later in the policy explain when it applies. Since Pennsylvania has no state wind pool, these terms come from your own carrier’s policy forms.
How deductibles interact with appraisal
Appraisal decides the amount of loss; the deductible then comes off the top. A loss that barely clears the deductible may not justify a dispute, while one well above it may. Run the result through the claim gap & fee projector before deciding.
Questions about this calculator
Does the percentage apply to the whole loss?
It is usually calculated from Coverage A but subtracted from the entire covered wind or hail loss. Check your policy wording for how it is applied.
Can I change my deductible?
Usually at renewal. A higher deductible lowers the premium but raises your share of each loss.