Analyze your deductible exposure.
Model how different deductible levels, coinsurance settings, and wind/hail percentages affect your out-of-pocket costs across real loss scenarios.
Interactive Tool
Deductible Impact Analyzer
See exactly how much you would pay out of pocket under different loss scenarios. Adjust your TIV, deductibles, and coinsurance to find the right balance between premium savings and financial exposure.
Property & Policy Details
Deductible Exposure
Standard
$10,000
Wind/Hail
$200,000
No Coinsurance Penalty
Your coverage limit meets or exceeds the 80% coinsurance requirement.
Key Ratios
Loss Scenario Analysis
See how your deductible and coinsurance settings affect claim payouts across different loss scenarios.
| Scenario | Loss Amount | Deductible | Insurer Pays | You Pay | % Out of Pocket |
|---|---|---|---|---|---|
Minor Water Damage Burst pipe in a single unit affecting floors and walls | $25,000 | $10,000 | $15,000 | $10,000 | 40% |
Moderate Fire Loss Kitchen fire spreading to adjacent units, smoke damage to common area | $150,000 | $10,000 | $140,000 | $10,000 | 7% |
Major Hail Storm Widespread roof and siding damage across multiple buildings | $500,000 | $200,000 | $300,000 | $200,000 | 40% |
Severe Wind Event Named storm causing roof loss, water intrusion, and structural damage | $1,500,000 | $200,000 | $1,300,000 | $200,000 | 13% |
Catastrophic Fire Major fire destroying 40% of property requiring partial rebuild | $4,000,000 | $10,000 | $3,990,000 | $10,000 | 0% |
Educational Tool Only
This analyzer models simplified loss scenarios for educational purposes. Actual claim payouts depend on policy language, endorsements, exclusions, and adjuster determinations. Coinsurance calculations follow the standard ISO formula (Amount Carried / Amount Required x Loss = Payment). For personalized deductible optimization, request a free coverage review.
Want Help Optimizing Your Deductible Structure?
Our multifamily specialists analyze your property's risk profile, loss history, and budget to recommend the deductible structure that minimizes total cost of risk.