Florida homeowners will generally have 2 insurance deductibles

By Marian Johns | | Aug 8, 2018

Those living in Florida and other areas that are vulnerable to hurricanes actually have two deductibles relating to their home insurance: a standard deductible and a hurricane deductible.

Hurricane deductible requirements may be different, but the general rule is they apply to windstorm damages in certain instances.   File photo

Those living in Florida and other areas that are vulnerable to hurricanes actually have two deductibles relating to their home insurance: a standard deductible and a hurricane deductible. 

As we enter the peak of hurricane season, here is what you should know about your hurricane deductible, according to a recent blog post from Kin Insurance, which lays out some important facts about hurricane deductibles.

According to the Kin article, the standard deductible is the amount a homeowner owes if they make a claim for fire, non-hurricane wind or hail, theft or vandalism damage. A hurricane deductible is the amount you owe when you make a claim for wind damage from a hurricane or hail damage. 

"In general, wind damage incurred during specific weather conditions and timeframes trigger your hurricane deductible," the blog states. "When the National Weather Service 'names' a storm, that’s typically when your hurricane deductible will apply."

According to the article, each insurer's hurricane deductible requirements may be different, but the general rule is that hurricane deductibles can apply to windstorm damages in certain instances. Those include the National Weather Service declaring a hurricane; if a hurricane watch or warning is in place; up to 72 hours after a hurricane watch or warning ends; or throughout hurricane season. 

Since hurricane damage can be severe, it is best to talk with your insurance carrier about what hurricane deductible is right for you. 

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