Deductible guide
How Hurricane Deductibles Work in Florida
Most confusion comes from one thing: a hurricane deductible may be a percentage of dwelling coverage, not a small flat fee.
The basic formula
Dwelling Coverage x Hurricane Deductible Percentage = Estimated Out-of-Pocket Deductible
Example: $350,000 dwelling coverage x 2% = $7,000 estimated hurricane deductible.
Where to find the numbers
Look for Coverage A or Dwelling Coverage on your homeowners insurance declarations page. Then look for the hurricane deductible percentage, such as 2%, 3%, 5%, or 10%.
Why the calendar year question matters
Florida hurricane deductibles may apply differently depending on policy language, calendar year, insurer rules, named storm status, and prior claims. Always verify your actual policy.
Estimate your number now
The calculator gives you a fast estimate and a claim-prep checklist you can copy or print.
Calculate My DeductibleDisclaimer
This page is educational only and is not legal, insurance, financial, or claims advice.