Short answer: The hurricane deductible applies only from issuance of a hurricane watch/warning through 72 hours after termination, and only for losses from the named hurricane. Outside that window, the standard AOP (all-other-perils) deductible applies.
The correct trigger
Under Fla. Stat. 627.701, the hurricane deductible applies:
- During a hurricane watch/warning for the state
- Through 72 hours after the last watch/warning is discontinued
- Only if the loss was caused by the named hurricane
Common misapplications
- Tropical storm (not a hurricane): AOP deductible applies
- Severe thunderstorm with high wind: AOP deductible applies
- Loss occurring days after the watch/warning ended: AOP deductible applies
How to contest
- Pull NOAA watch/warning timing data
- Request the specific storm name and trigger basis from the carrier
- Compare to the policy's deductible definition
- Submit written dispute with evidence