How percentage deductibles work
A hurricane or named-storm deductible is usually a percentage of your dwelling coverage, not of the loss. A 2% deductible on $465,000 of dwelling coverage is $9,300, whatever the size of the claim. The policy pays only the amount above that.
When it applies
Your policy defines the trigger: often a hurricane or named storm, sometimes tied to National Weather Service or National Hurricane Center warnings and a time window around the storm. A nor’easter normally falls under the standard deductible. Read the deductible endorsement or ask us to look at it.
Why the total loss still matters
Because the deductible is fixed, every dollar of missed damage comes straight out of what you’re paid. Getting the full wind scope right matters more, not less, when a large deductible applies.
Questions about this tool
Is a hurricane deductible the same as a windstorm deductible?
Not always. Some policies use a separate wind/hail deductible; others apply a percentage only to named storms or hurricanes. The policy wording controls.
Does it apply to inland homes?
If the trigger is met, a hurricane deductible usually applies wherever the house is located within the state.
Can I change my deductible?
Options depend on your insurer and location. Talk to your agent before the next storm season.