Hurricane Deductibles

Your Hurricane deductible is the amount of covered damages you are responsible for that must be exceeded before the company will issue payment for hurricane damage under your policy.

Hurricane deductibles are applied on a calendar-year basis. The Hurricane deductible is exhausted only once each calendar year. If one or more hurricanes cause damage to your home during a calendar year, each claim counts towards meeting your calendar-year Hurricane deductible.

Once your Hurricane deductible is satisfied, any additional hurricane losses sustained in that year will not be subject to a deductible.

Deductible calculations on a home insured for $200,000
Percentage Amount
2% $4,000
5% $10,000
10% $20,000

*Homes with Coverage A less than $100,000 may have a set price Hurricane deductible.

Following a hurricane, certain claims, such as burglary and liability claims, will not be subject to your Hurricane deductible. Your All Other Perils deductible usually will apply to these claims.

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