About
Built to make hurricane deductible math easier.
This site helps Florida homeowners estimate a hurricane deductible, organize claim-prep steps, and understand what to verify before calling an insurance company.
Why this exists
Many homeowners do not realize a hurricane deductible is often a percentage of dwelling coverage, not a flat number. A 2%, 5%, or 10% deductible can become a large out-of-pocket cost fast.
The calculator keeps the first step simple: dwelling coverage multiplied by hurricane deductible percentage.
What this site does not do
This site does not provide legal, insurance, financial, or claims advice. It does not guarantee claim payment or claim recovery. Your real deductible depends on your policy language, insurer rules, storm status, prior claims, and Florida insurance regulations.
Need the calculator?
Use the free calculator first, then copy the checklist before you call your insurer.
Open Calculator