Independent educational guide · Sources checked October 15, 2026
The key distinction
Florida hurricane deductibles can be expressed as a percentage of a specified insured value. The applicable base and conditions matter. Do not assume the percentage is calculated from the claim amount.
A practical scenario
As an arithmetic example only, a 2% deductible applied to a $400,000 base equals $8,000. The same percentage applied to another base produces another amount. Neither number is a rate, an offer, or a statement about your home. Use the actual declarations page to ask the insurer which base applies. Then write the dollar amount beside the percentage and review how the policy treats more than one hurricane-related loss during a calendar year.
Your review checklist
- Which insured amount is the percentage applied to?
- What dollar amount does that produce on the current policy?
- What event activates this deductible?
- How are multiple hurricane losses during a year treated?
- Is another deductible relevant to a different cause of damage?
A common question
Is the percentage the same as a percentage of the repair bill?
Not necessarily. Ask the insurer to identify the calculation base and show the applicable dollar amount from your policy.
Sources & scope
Florida DFS: hurricane deductibles ↗Sources explain general coverage concepts. Examples are illustrative and do not determine a claim, eligibility, price, or an appropriate personal coverage choice. External references do not establish that the linked insurance destination offers every product or option discussed.