Florida Hurricane Deductibles: What to Check Before a Storm

A Florida homeowners policy may have a hurricane deductible that differs from its deductible for other covered losses. The amount on your declarations page, the policy's definition of a hurricane loss and the coverage limits matter. Florida DFS explains when a hurricane deductible can apply. Review your policy before a storm, when there is time to ask questions and gather documents; a request to change coverage does not change a policy by itself.

How can I find the deductible amount?

Look for the hurricane deductible on the declarations page. Florida DFS says it must be listed as a dollar amount, even if also expressed as a percentage of the dwelling or structure limit. Ask what that amount means for your policy. The insurer decides how the policy applies to a particular loss; a generic example is not your claim estimate.

What should I check before hurricane season?

• Save the current declarations page, full policy, insurer claims number and agent contact information somewhere you can reach if power or internet service is disrupted.
• Note the hurricane and other-perils deductibles, wind coverage wording, dwelling and personal-property limits, and any separate flood policy.
• Photograph the property's condition and keep receipts for major improvements and valuable items. Store a secure copy of important records away from the property.
• Ask about roof and wind-protection records if a renewal or quote is pending. Do not assume an inspection produces a credit.
• Make a safety plan and follow local emergency officials. Insurance paperwork is not a reason to remain in an unsafe building.

What if the property is damaged?

First make sure everyone is safe and follow official re-entry guidance. Document damage when it is safe, keep receipts for reasonable protective measures, and contact the insurance company directly to report a claim promptly. Preserve damaged items when practical until the insurer gives instructions. Florida DFS's Homeowner Claims Bill of Rights guide gives these homeowner responsibilities. Check your policy and insurer's instructions for the requirements that apply to your claim. Do not infer from this checklist that a particular expense or type of damage is covered.

Wind and flooding can raise different coverage questions. If water entered the property, describe what happened accurately to the insurer rather than guessing which policy applies. A separate flood policy, if any, has its own terms and effective date.

Report a claim: Find insurer payment and claims information. For agency help after reporting, contact DIN or call (800) 310-2743. This page is general preparation guidance, not a coverage determination or emergency service.

Related: Homeowners insurance · Flood insurance.

Sources checked October 27, 2026: Florida DFS hurricane deductible guide; Florida DFS Homeowner Claims Bill of Rights guide; Ready.gov hurricanes.