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Calculate the deductible amount and net insurance payment on a property damage claim. Supports both flat-dollar and percentage-based deductibles.
The Coverage A (dwelling) amount on the policy
The fixed dollar deductible from the policy
The approved estimate or claim total
Total Claim
$18,000.00
Deductible
Flat dollar amount (5.6% of claim)
-$1,000.00
Net Insurance Payment
Claim minus deductible
$17,000.00
This calculator shows the basic deductible math. Actual claim payments depend on the policy type (ACV vs RCV), depreciation, and carrier-specific adjustments. The deductible is always the policyholder's responsibility. Learn more about deductibles
A fixed dollar amount the policyholder pays before insurance kicks in. Common amounts are $500, $1,000, $2,500, and $5,000. The amount is the same regardless of the claim size or home value.
A percentage of the dwelling coverage amount. Common in wind, hail, and hurricane zones. A 2% deductible on a $350,000 dwelling coverage policy means a $7,000 deductible. Percentage deductibles can be significantly higher than flat deductibles, especially on expensive homes.
The amount the carrier pays after subtracting the deductible. On a replacement cost policy, this initial payment is based on ACV (with recoverable depreciation released after repairs). On an ACV policy, this is the total payment. Learn more about the claims process
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