How Does My Hurricane Deductible Work?

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Your hurricane deductible will be listed on the Declarations page of your policy, and it may be a fixed amount, a percentage of Coverage A, or the same as the All Other Perils deductible.

If your deductible amount differs from your All Other Perils deductible, the hurricane deductible applies during the following time periods (in Florida):

  • Beginning at the time a hurricane watch or warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service;
  • Continuing for the time period during which the hurricane conditions exist anywhere in Florida; and
  • Ending 72 hours following the termination of the last hurricane watch or hurricane warning for any part of Florida by the National Hurricane Center of the National Weather Service.

We understand that dealing with the aftermath of a hurricane can be a stressful and difficult situation. We want to ensure that you are aware that in the event that your property sustains damages as a direct result of a hurricane, your hurricane deductible will be deducted from the amount of your settlement. This means that payments can only be issued if the amount of your damages exceeds your hurricane deductible. When making repairs to your home, you will be responsible for paying for the cost of repairs up to your deductible amount and your insurance payment will be used to cover the rest. If the cost of repairs is greater than the amount of your deductible and any received insurance payments, please contact your Agent or Adjuster as an additional assessment of damages may be necessary. Please note, any costs incurred due to an evacuation are subject to your hurricane deductible as well. If you have any other questions, please do not hesitate to reach out. We are here to help.

Do You Have More Questions? Ask Our Insurance Professionals!​

We are here to help you understand your coverages! ​

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