Free Calculator

Hurricane Deductible Calculator

Percentage hurricane and windstorm deductibles apply to your dwelling limit (Coverage A) — not to the size of your loss. See what yours really is.

Your Policy

State

Dwelling coverage limit (Coverage A)

Found on your policy declarations page.

Hurricane / windstorm deductible

Common: TX 1–5%, FL 2% / 5% / 10%.

Estimated covered damage (loss amount)

Your Deductible

$8,000

2% of $400,000 dwelling limit

Covered damage (loss)

$60,000

Hurricane deductible

− $8,000

Estimated insurer payment

$52,000

The percentage is applied to your dwelling limit, so a high percentage on a large home can dwarf a smaller loss.

Get a Free Claim Review

Educational estimate only. Your declarations page controls your exact deductible, how it applies (per storm vs. per season), and any caps.

Why Your Deductible May Be Bigger Than You Think

Standard policies use a flat dollar deductible (say, $1,000). But for hurricanes, named storms, and wind/hail, most coastal policies switch to a percentage deductible tied to your dwelling (Coverage A) limit.

That means a 5% deductible on a $500,000 home is $25,000 out of pocket before the insurer pays a dollar — regardless of whether your loss is $30,000 or $300,000. Knowing this number in advance is critical to deciding whether and how to file, and a public adjuster makes sure the full covered scope is captured so the deductible does not swallow your recovery.

More Free Calculators

Public Adjuster Fee

Estimate the contingency fee under the Texas and Florida caps.

Recoverable Depreciation

ACV check now vs. depreciation released after repairs.

Underpayment Estimator

Compare the carrier’s offer against your claim’s estimated value.

Frequently Asked Questions

How is a hurricane or windstorm deductible calculated?

Percentage hurricane and windstorm deductibles are applied to your dwelling coverage limit (Coverage A), not to the amount of the loss. For example, a 2% deductible on a $400,000 dwelling limit is $8,000 — even if the damage is only $20,000. This surprises many homeowners, who assume the percentage applies to the claim amount.

What is a typical hurricane deductible in Texas?

In Texas, windstorm and named-storm deductibles commonly range from 1% to 5% of the dwelling (Coverage A) limit, depending on the policy and whether the property is in a coastal/Tier 1 area. TWIA (Texas Windstorm Insurance Association) policies have their own deductible structure. Always check the declarations page of your specific policy.

What is a typical hurricane deductible in Florida?

Florida hurricane deductibles are commonly 2%, 5%, or 10% of the Coverage A limit. Florida law requires insurers to offer certain deductible options and a single hurricane deductible per calendar year for the same hurricane season in many cases. Your exact deductible and how it applies are stated on your policy declarations page.

Does the hurricane deductible apply per storm or per season?

It depends on your state and policy language. Florida generally applies a single hurricane deductible per calendar year (so it is not re-charged for each separate hurricane in the same year, in many cases). Other percentage wind/named-storm deductibles may apply per occurrence. This calculator estimates a single application — confirm the per-storm vs. per-season terms in your policy.

Educational Information - Not Legal Advice

The information on this page is for general educational purposes only. Dependable Claims Specialists is a licensed public adjusting firm - not a law firm. Public adjusters help policyholders inspect, document, evaluate, and negotiate property insurance claims, which includes reading and applying your policy in the ordinary course of adjusting (coverage parts, exclusions, endorsements, scope). We do not practice law and we do not provide legal advice. For legal opinions, demand letters, Chapter 542A pre-suit notices, statutory remedies under the Insurance Code, or litigation, consult a licensed attorney in your state. Texas public adjusters operate under TX Ins. Code Chapter 4102; Florida public adjusters operate under FL Statute §626.854.

Storm Damage? Don’t Let the Deductible Win

A licensed public adjuster documents the full covered scope so your recovery clears the deductible and then some. Free review.

Free Claim Review 833-4UR-LOSS