What does that percentage deductible really cost?
Many Texas policies use a percentage deductible for wind and hail. Enter your dwelling coverage and see the dollar amount, then compare it with a repair estimate.
Illustration only. Your policy may use a different deductible for different perils, and a percentage deductible is usually based on Coverage A, not the claim amount. This is not a payment estimate.
Using the deductible calculator
Pick the deductible type
Choose percentage or flat dollar, matching your declarations page.
Enter your numbers
Add your Coverage A limit and percentage. The result updates as you type.
Compare an estimate
Add a repair estimate to see how much of it sits above the deductible.
Deductible calculator FAQs
These tools from The Colony Public Adjuster help you get organized. They do not decide coverage or payment. For a closer look at your own numbers, request a free claim review.
Free claim reviewHow is a percentage deductible calculated?
It is usually a percentage of your dwelling coverage limit (Coverage A), not of the damage. A 2% deductible on a $400,000 dwelling limit is $8,000.
Can I have different deductibles for different perils?
Yes. Many Texas policies have a separate wind/hail deductible and an all-other-perils deductible. Check your declarations page.
Should I file a claim if the damage is close to my deductible?
That is your decision. Hidden damage often appears during inspection, so an estimate that seems close may grow. A free review can help you weigh it.
Keep getting organized
Claim payment calculator
See how RCV, depreciation, your deductible and prior payments shape a claim payment.
Open the tool WorksheetDepreciation calculator
Estimate actual cash value for roofs, flooring, appliances and more, item by item.
Open the tool TimelineTexas claim deadline calculator
Map the insurer response dates set by the Texas Prompt Payment of Claims Act.
Open the toolYour claim deserves a closer look.
Talk with The Colony Public Adjuster about the damage, the paperwork and your next step. The first review is free and there is no obligation.