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Free educational tool for Florida homeowners
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
Florida Homeowner Intelligence
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Calculator
Enter your dwelling coverage and hurricane deductible percentage from your policy declarations page.
Formula
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
Call 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?"
Enter your email and the printable checklist will open on the next page. No policy number or claim documents are requested here.
Printable Florida hurricane deductible worksheet and claim checklist. Track deductible math, damage photos, receipts, and every claim call in one place.
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Open County GuidesAnswers
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.
Multiply your dwelling coverage amount by your hurricane deductible percentage. For example, $350,000 x 2% = $7,000.
Look for Coverage A or Dwelling Coverage on your homeowners insurance declarations page.
No. This calculator is for educational purposes only. Your actual deductible depends on your policy and insurer.
Take photos and videos, save receipts, document dates, keep damaged items when safe, and maintain written records of all claim communication.
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.