California Wildfire Insurance Deductible Calculator accuracy and testing

Formula source

• Percent deductible = dwelling coverage x deductible percent. Estimated deductible is either max(percent deductible, flat deductible) or percent deductible + flat deductible based on the selected method.

Test cases

Known limitations

• Planning estimate only; not tax, legal, insurance, utility, financial, or real estate advice. Verify current local rules, policies, rates, exemptions, caps, exceptions, official notices, utility tariffs, insurance declarations, and qualified advisors before relying on any result. This does not determine covered losses, claim payments, exclusions, depreciation, smoke damage treatment, ordinance coverage, FAIR Plan coordination, or insurer obligations.

Assumptions

• All rates, caps, windows, premiums, and charges are editable planning examples.
• No live local tax, utility, rent, legal, insurance, or program rate is fetched or guaranteed.
• Calculations run client-side in the browser and are based only on the values entered.

Unit handling

• Dwelling Coverage accepts values in $.
• Deductible Percent accepts values in %.
• Flat Deductible accepts values in $.
• Combination Method accepts one of the configured options.
• Estimated Deductible is displayed as currency.

Rounding rules

• Number displays use up to 2 decimal places in the calculator UI.
• Currency outputs are displayed with standard US dollar formatting.
• Input precision follows configured step values where provided.

Version history

Change log