🌀 Deductible Calculator

Hurricane Deductible Calculator — What You'll Actually Pay

Your hurricane deductible is a percentage of your insured home value — not a flat dollar amount like your regular deductible. Find out exactly how much you'll pay out of pocket before insurance covers anything.

Your Home Insurance Information

Home Insured Value (Coverage A — Dwelling)

From your declarations page — "Coverage A" or "Dwelling Coverage" — not your home's market value

Hurricane / Windstorm Deductible

Check your policy declarations page — often listed separately from your regular "all peril" deductible

🌀 Your Hurricane Deductible Breakdown

Home insured value (Coverage A)—

Hurricane deductible percentage—

Your hurricane deductible (in dollars) —

Regular all-peril deductible (typical)$1,000 – $2,500

Additional amount you pay vs. regular deductible—

Full Hurricane Deductible Guide →

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Pre-Season Checklist

Document your home before hurricane season — your pre-storm photos are your claim foundation.

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How to File a Claim

What to do in the first 72 hours after a hurricane damages your home.

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Supplemental Claims

When the first settlement isn't enough — state deadlines and how to reopen.

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Document Your Damage

Get a licensed inspector's written scope — the document your claim depends on.