Where percentage deductibles show up
Some Ohio homeowner policies carry a separate wind/hail deductible written as a percentage of Coverage A, while all other perils keep a flat dollar deductible. On a $310,000 dwelling limit (an illustrative figure), 2% is $6,200 — six times a typical $1,000 deductible.
Finding yours
Look on the declarations page for “wind/hail,” “windstorm or hail” or a percentage next to the deductible line, then read the endorsement that defines when it applies. If you can’t tell, ask your agent in writing.
Why it matters before appraisal
The deductible doesn’t change the amount of loss a panel decides, but it changes what lands in your account. A dispute worth $4,000 on a claim sitting just above a $6,200 deductible might not be worth appraisal costs; the claim gap & fee estimator helps you test that.
Questions about this tool
Is the percentage taken from the claim amount?
Usually no. It is calculated from the Coverage A dwelling limit on the declarations page, then subtracted from the covered loss.
Does a percentage deductible apply to tornado damage?
If the policy’s wind/hail deductible covers windstorm, it generally applies to tornado and straight-line wind losses too. The endorsement wording controls.
Can I switch back to a flat deductible?
Often at renewal, if the insurer offers it. Expect the premium to change; ask your agent to quote both.