Calculator inputs
Formula used
This calculator totals your hail-related repair items, then applies optional sales tax and overhead & profit. It calculates the deductible as either a fixed amount or a percent of the insured value.
- Damage subtotal = sum of all entered damage items
- Sales tax = Damage subtotal × (Sales tax rate ÷ 100)
- Overhead & profit = Damage subtotal × (O&P rate ÷ 100)
- Gross claim total = Damage subtotal + Sales tax + Overhead & profit
- Deductible = fixed OR Insured value × (Deductible percent ÷ 100)
- Estimated payout = max(0, Gross claim total − Deductible)
- Out of pocket = min(Gross claim total, Deductible)
How to use this calculator
- Enter your insured value and choose the deductible type.
- Fill in repair items from contractor or inspection estimates.
- Add optional rates if your estimate includes those charges.
- Click Calculate to view results above the form.
- Download CSV or PDF to keep a shareable summary.
Example data table
| Scenario | Insured value | Deductible | Gross claim | Estimated payout |
|---|---|---|---|---|
| Percent deductible with moderate roof damage | $250,000 | 2% = $5,000 | $12,450 | $7,450 |
| Fixed deductible on smaller repair scope | $180,000 | $1,000 | $2,300 | $1,300 |
| Claim total below deductible threshold | $300,000 | 1% = $3,000 | $1,900 | $0 |
Examples are illustrative and may not reflect your policy terms.
Deductible structures and triggers
Many policies apply a wind or hail deductible, often 1% to 5% of insured value. If insured value is 250,000 and the rate is 2%, deductible becomes 5,000. Fixed deductibles are common on auto comprehensive claims and subtract a flat amount. This calculator supports both approaches so you can test the payout threshold.
Estimating repair scope with line items
Hail estimates are built from line items such as roof replacement, siding repair, window glazing, and gutters. Entering each item helps you see what drives the total. A roof line of 8,500 plus exterior items of 3,000 can exceed many fixed deductibles. Use mitigation for tarping or temporary sealing when billed.
How add-on rates change totals
Some estimates include sales tax and contractor overhead and profit. A 7.5% tax on a 10,000 subtotal adds 750. An overhead and profit rate of 10% adds 1,000. Together, those add-ons increase the gross claim total by 17.5%. When deductibles are percent based, add-ons may not change deductible amount, but they can raise the total above the deductible.
Interpreting payout and out-of-pocket
Compare gross claim total versus deductible. If total is below the deductible, estimated payout is zero and out-of-pocket equals the claim total. If the claim exceeds the deductible, payout equals gross total minus deductible. The “deductible as percent of claim” indicator shows how the deductible feels at different damage levels.
Using exports for documentation
After calculating, export results to CSV for spreadsheets or to PDF for sharing. The breakdown table supports conversations with contractors or adjusters by keeping consistent numbers. Save scenarios, such as 1% versus 2% deductibles, to understand sensitivity. Confirm settlement rules, depreciation, and coverage limits in policy documents.
For best accuracy, match item totals to written estimates and photos. If your deductible is high, consider running a low, medium, and high repair scenario to bracket the likely settlement range before filing.
FAQs
What does this deductible estimate represent?
It estimates the amount you pay before insurance contributes, using either a fixed deductible or a percent of insured value. The calculator then subtracts that deductible from your gross claim total to estimate payout.
Why do percent deductibles feel larger on some homes?
Percent deductibles scale with insured value. A 2% deductible on 250,000 is 5,000, while the same rate on 400,000 is 8,000. Higher coverage values raise the deductible even if damage costs stay similar.
Should I include sales tax and overhead and profit?
Include them only if your estimate shows those charges or your jurisdiction typically applies them. They increase the gross claim total, which can move a claim above the deductible. Confirm with your contractor or adjuster.
What if my claim total is below the deductible?
If the gross claim total is less than or equal to the deductible, the estimated payout is zero. Your out-of-pocket cost is the claim total because the deductible absorbs the entire loss.
Does the calculator consider depreciation or coverage limits?
No. It provides a simplified estimate based on item totals, optional add-ons, and deductible rules. Actual settlements can change with depreciation, exclusions, supplements, and policy limits. Use the tool for planning, not final valuation.
How can I use the CSV and PDF downloads?
CSV works well for comparing scenarios, tracking bids, and sharing numbers in spreadsheets. PDF creates a clean summary for emailing or printing. Run multiple deductible rates or repair scopes, then export each result for your records.