Free educational tool for Florida homeowners
Florida Hurricane Deductible Calculator
Estimate your out-of-pocket hurricane deductible in seconds and get a simple claim-prep checklist before you call your insurance company.
$7,000 estimated hurricane deductible
Calculator
Estimate Your Hurricane Deductible
Enter your dwelling coverage and hurricane deductible percentage from your policy declarations page.
Formula
How the Calculator Works
Dwelling Coverage x Deductible Percentage = Out-of-Pocket Hurricane Deductible
Example: $350,000 dwelling coverage x 2% = $7,000 deductible. This estimate helps Florida homeowners understand the first number to verify before starting a hurricane insurance claim.
Claim prep
Before You File a Hurricane Claim
- Take clear photos and videos of all damage before cleaning up
- Photograph roof, ceilings, walls, flooring, windows, doors, fence, garage, and exterior structures
- Save receipts for emergency repairs, tarps, supplies, hotels, and cleanup
- Prevent additional damage when safe to do so
- Do not throw away damaged items until documented
- Write down the date and approximate time damage was discovered
- Request a full copy of your insurance policy if you do not have one
- Ask your insurer what deductible applies
- Keep a written log of every phone call and claim number
- Consider getting an independent repair estimate
Call script
Simple Insurance Phone Script
"Hi, I'm calling about possible hurricane damage at my property. I'd like to confirm which deductible applies to my policy, whether this storm qualifies under my hurricane deductible, and what documentation you need before I file or continue my claim. Can you also provide my claim number and explain the next steps in writing?"
Need a Vetted Florida Contractor?
We can refer you to a local, vetted roofing or mitigation company to help you review storm damage before or after you file a claim.
Premium Hurricane Claim Worksheet
Get the full printable prep binder used by thousands of Florida homeowners.
Local prep
Browse by Florida County
Targeted hurricane deductible prep for your local area.
Answers
Frequently Asked Questions
What is a hurricane deductible?
A hurricane deductible is the amount a homeowner may have to pay out of pocket before insurance coverage applies for hurricane-related damage. In Florida, it is often based on a percentage of the dwelling coverage amount.
How do I calculate my hurricane deductible?
Multiply your dwelling coverage amount by your hurricane deductible percentage. For example, $350,000 x 2% = $7,000.
Where do I find my dwelling coverage amount?
Look for Coverage A or Dwelling Coverage on your homeowners insurance declarations page.
Is this calculator legal or insurance advice?
No. This calculator is for educational purposes only. Your actual deductible depends on your policy and insurer.
What should I document before filing a hurricane claim?
Take photos and videos, save receipts, document dates, keep damaged items when safe, and maintain written records of all claim communication.
Season guide
Get Ready for Florida Hurricane Season 2026
Read the storm-season prep guide built around the deductible math most homeowners miss.
Read the 2026 Hurricane Season GuideDisclaimer
This tool is for educational purposes only. It is not legal, insurance, financial, or claims advice. Review your policy and contact your insurance company, insurance agent, attorney, or licensed public adjuster for guidance about your specific situation.