How it works
Most Florida homeowner policies carry a hurricane deductible separate from the standard all-perils deductible. The hurricane deductible is typically 2-5% of your dwelling coverage, applied when damage is caused by a named hurricane.
For a home insured at $400,000 with a 2% hurricane deductible, the deductible is $8,000 per hurricane event.
When it applies
The hurricane deductible applies only when the National Hurricane Center has named the storm as a hurricane (or, in some policies, as a named storm with hurricane-strength winds). A tropical storm alone typically doesn't trigger it.
Carrier disputes
Carriers sometimes apply the hurricane deductible incorrectly: invoking it for damage from a non-hurricane event or stacking it when multiple losses occur. Your policy language governs, and Fla. Stat. 627.70131 requires carriers to document deductible calculations clearly.