Named Storm Deductibles: Understanding the Real Cost of a Florida Hurricane Claim

Florida property policies use a percentage deductible for hurricane losses. Choosing 5% instead of 2% is the fastest way to a cheaper quote and the slowest way to recover.

How the Percentage Works

The deductible is a percentage of Coverage A, not of the claim. On a $600,000 dwelling, 2% is $12,000 and 5% is $30,000.

Trigger and Calendar Year Application

Hurricane deductibles apply to losses during a declared named storm event and typically once per calendar year across multiple storms. Confirm your contract's language.

Choosing a Deductible You Can Actually Fund

Pick the deductible you could write a check for tomorrow, then use mitigation credits to bring the premium down instead.

• Keep the hurricane deductible fundable in cash
• Use wind mitigation credits for savings
• Keep the all-other-peril deductible reasonable

Frequently Asked Questions

Can I change my hurricane deductible mid-term?

Often yes, though carriers may restrict changes when a storm is in the box. Ask early in the season.

Does the hurricane deductible apply to every storm?

Most Florida forms apply it once per calendar year, then the all-other-peril deductible applies to later storms. Verify your form.

Talk to a Licensed Florida Agent

SunGate Insurance Agency is a locally owned and operated independent agency in Lake Mary, Florida, serving clients across the state. Send us your current declarations page or a competing proposal and we will show you exactly what changed — in writing. Call 407.878.7979 or start with our quote calculator.