Why percentage deductibles surprise people
Many Georgia policies — especially near the coast and in hail-prone metro counties — use a separate wind/hail or named-storm deductible calculated as a percentage of Coverage A. On a $385,000 dwelling limit, a 2% deductible is $7,700, not $1,000.
Where to find yours
Look on the declarations page for “wind/hail,” “windstorm,” “hurricane” or “named storm” deductible. Endorsements later in the policy define when it applies — for example, only during a storm the National Hurricane Center has named.
How it affects appraisal
The deductible doesn’t change the amount of loss a panel decides, but it changes what you receive. A loss just above the deductible may not be worth disputing; one well above it may be.
Questions about this tool
Does the percentage apply to contents too?
The percentage is usually calculated from Coverage A but applied to the whole wind or hail loss. Check your policy’s wording.
Can I change my deductible?
Usually at renewal. A higher deductible lowers the premium but raises your share of each storm loss.