Every Florida homeowners policy has a separate hurricane deductible. Understanding it before a storm helps you decide whether a claim makes sense.
Florida hurricane deductibles are usually a percentage of your dwelling coverage — commonly 2%, 5% or 10% — or a flat amount. On a $350,000 dwelling limit, a 2% deductible is $7,000.
Florida law applies the hurricane deductible once per calendar year. If a second hurricane damages your home the same year, you generally pay only what remains of that deductible.
It applies to losses caused by a named hurricane during the window the National Hurricane Center has watches or warnings in effect for Florida. Other wind or hail damage falls under your regular all-other-perils deductible.
If the repair cost is close to your deductible, a claim may not make sense. Matata's free drone inspection gives you a real repair or replacement number before you decide.
A separate deductible, usually 2%, 5% or 10% of dwelling coverage, that applies to damage from a named hurricane.
Generally no. Florida applies the hurricane deductible once per calendar year.
Usually not. Get a free inspection and estimate first so you know the real number.
Hurricane Roofing Center · (321) 444-5191 · FL CCC1337212