📊 Interactive Calculator

Commercial Coinsurance Penalty Calculator

See exactly how much a covered storm loss would actually pay — and how much you'd absorb out of pocket — based on your current coverage position.

Your Property Information
$
Current cost to rebuild — not market value, not assessed value
$
Your current commercial property building coverage limit
Check your policy Conditions section for the coinsurance percentage
$
Estimated storm damage — roof, structure, or total loss
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Calculating...
Your coinsurance position
Coverage required (90% × RCV)
Coverage carried
Coverage ratio
Storm loss amount
Penalty reduction applied
Insurance payout (before deductible)
Your out-of-pocket coinsurance penalty
Underinsured Coverage ratio: — Fully insured
0%Requirement ▲100%+
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Agreed Value Endorsement

How to suspend the coinsurance clause entirely — no penalty on any covered loss.

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Commercial Storm Overview

Flat roofs, business interruption, coinsurance — the 6 core differences from residential.

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Business Interruption Claim

How to calculate and document your BI loss — the claim most owners file wrong.

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Flat Roof Inspection Guide

How moisture mapping finds damage that visual inspection misses after a storm.