Percent Deductible Application under Commercial Property Policy

Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes Charley and Frances damaged three of the buildings. The insured has a blanket limit on the policy for buildings. There is a 2 percent wind deductible and the carrier wants to take a separate deductible on each building. The adjuster adds that the deductible should be 2 percent of the total amount of insurance. We believe it should be 2 percent of the amount of the damage. How many deductibles should apply, and is the percentage deductible calculated based on the total amount of the loss or the total value of the buildings?

Wisconsin Subscriber