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Percentage deductibles
A percentage deductible is a percent of Coverage A, the dwelling limit, not a percent of the loss. Oregon DFR explains that math on its earthquake page. Ten percent of $300,000 is $30,000 before insurance pays. DFR’s wildfire page does not publish a wildfire-specific percent. Read the declarations. This site does not quote a California wildfire-deductible schedule.
You are on the declarations page. Coverage A is a dollar amount. Next to it the deductible may be $2,500, or 10 percent, or 0.5 percent. The percent is of that dwelling limit. It is not 10 percent of a burned kitchen.
This is an insurance satellite of /insurance/. It is not a second hub. No g3-passed exhibit matches this object. The scene is the declarations page. Do not use a house-level hub graphic as a policy form.
Why it matters
People treat “10 percent” as 10 percent of the invoice. On a percentage deductible it is 10 percent of the insured dwelling. DFR’s earthquake example is $30,000 on a $300,000 house. That gap is the difference between a claim you can fund and a claim you cannot. Oregon’s wildfire page still tells you to know how your deductible applies. It does not import the earthquake percents onto fire.
How the documents split
| Object | What the public page says | What it is not |
|---|---|---|
| Dollar deductible | A stated amount, for example $500 on DFR’s storm spoilage example | A percent of Coverage A |
| Percentage deductible | A percent of the insured amount, not of the loss (DFR earthquake) | Ten percent of the repair bid |
| 0.5 percent example | DFR storm page: 0.5 percent of $300,000 Coverage A = $1,500 | A wildfire schedule |
| Oregon wildfire deductible | Understand how yours applies. ALE is typically subject to it. | A published wildfire percent |
| California wildfire percent | Not stated on the CDI consumer pages opened here | A number this site will invent |
The paths
1. Find Coverage A. DFR says the declarations page that arrives at renewal is where limits, exclusions, and deductibles live. Coverage A is the dwelling limit. A percent without that number is an unfinished sentence.
2. See which peril the percent attaches to. DFR explains percentage deductibles on the earthquake page (often 10 or 15 percent in that market). The storm page works 0.5 percent of Coverage A. The wildfire page does not print a wildfire percent. Do not paste the earthquake 10–15 percent onto a fire claim.
3. Run the arithmetic before you file. DFR’s wildfire page says additional living expenses are typically subject to the deductible. If hotel and meals sit under that number, filing may not pay. A reported claim can still count in underwriting even when the company pays nothing. That is DFR’s warning, not this site’s.
4. California. Shop the form. The CDI pages opened for California FAIR Plan and Safer from Wildfires do not state a statewide wildfire-percentage deductible. This page does not quote a newspaper percent. If a surplus or admitted form shows a separate wildfire deductible, read that line with the broker. Confirm with CDI if the line is unclear.
5. Residual markets. Oregon FAIR Plan and California FAIR Plan are last-resort fire coverage. Their deductibles are on those associations’ forms, not on this page.
What people mix up
- Treating 10 percent as 10 percent of the loss.
- Pasting DFR’s earthquake 10–15 percent onto a wildfire claim.
- Ignoring a second, peril-specific deductible on the same declarations page.
- Assuming additional living expenses skip the deductible. DFR says ALE is typically subject to it.
- Quoting a blog percent as a CDI rule.
How to check
- Open this year’s declarations page. Write down Coverage A.
- Write down every deductible line. Dollar, percent, and which peril.
- If a line is a percent, multiply it by Coverage A. That product is what you fund first.
- Open DFR wildfire for how deductibles and ALE interact on an Oregon fire claim.
- If the lot is California, do not use this page as a wildfire-percent table. There isn’t one here.
Limits
This page does not sell a policy. It does not choose your deductible. It does not quote a California wildfire-deductible percent. Earthquake math is labeled earthquake. FireApproved is not DFR and not CDI. Confirm with the company that wrote the form.
Related records
Questions
Is a 10 percent deductible 10 percent of the claim?
No. Oregon DFR’s earthquake page says the deductible is typically a percentage of the insured amount, not a percentage of the amount of loss. On a $300,000 dwelling with a 10 percent deductible, you pay $30,000 before insurance pays, even if the repair is smaller than the house.
Does Oregon publish a wildfire percentage deductible?
No. DFR’s wildfire page says every policy has deductibles and you should understand how yours applies to the claim. It does not print a wildfire-specific percent. Additional living expenses are typically subject to the deductible. Read the declarations.
What about a 0.5 percent line?
DFR’s storm page works an example. If the deductible is listed at 0.5 percent and Coverage A is $300,000, the deductible is $1,500. That example is on the storm page, not a wildfire schedule. The arithmetic is the same. Confirm which peril the percent attaches to.
Do California policies have a separate wildfire percent?
This site does not quote a schedule. The CDI consumer pages opened for this article do not state a statewide wildfire-percentage deductible. Do not paste a news percent onto your declarations. Read the form. If the line is unclear, ask the broker and CDI.