Florida Hurricane Deductible Calculator

Before issuing a personal residential policy, Florida law requires the insurer to offer hurricane deductibles of $500, 2%, 5%, and 10% of your Coverage A dwelling limit, with exceptions by dwelling limit (Fla. Stat. § 627.701(3)). Percentage deductibles are applied against the dwelling limit on your declarations page, not against the damage amount or your home's market value, and the insurer must show the dollar amount on the declarations page. So a $400,000 Coverage A with a 5% hurricane deductible means $20,000 out of pocket before the carrier pays a dollar.

Your hurricane deductible applies to windstorm damage from a storm the National Hurricane Center has declared a hurricane, during the hurricane period Florida law defines: from the time a hurricane warning is issued for any part of Florida until 72 hours after the last hurricane watch or warning for any part of Florida ends (Fla. Stat. § 627.4025(2)(c)). Before July 1, 2023, a hurricane watch also started the period. Wind damage from a storm that was never declared a hurricane, or from a thunderstorm outside that period, falls under your standard all other perils (AOP) deductible.

For windstorm damage inside Florida's hurricane period, yes. The National Hurricane Center issued a hurricane warning reaching the Bay/Gulf County line in Florida at 10:00 p.m. CDT on October 7, 2026, which started the period, and the last hurricane warning for any part of Florida ended at 1:00 a.m. CDT on October 10. Under Fla. Stat. § 627.4025(2)(c) the period runs 72 hours past that point, to 1:00 a.m. CDT on October 13, 2026. Wind damage from Isaias inside that window falls under the hurricane deductible; flood and storm surge are a separate policy. If Isaias is your first hurricane loss of 2026, the full hurricane deductible applies to it.

Florida applies the hurricane deductible once per calendar year to all covered hurricane losses under policies from the same insurer or insurer group (Fla. Stat. § 627.701(5)(a)). For a later hurricane in the same year, the insurer may apply the greater of the hurricane deductible still remaining or your AOP deductible. With an $8,000 hurricane deductible and a $1,000 AOP deductible, if the first hurricane caused $5,000 of covered damage, the deductible on the second is $3,000; if the first caused $8,000 or more, it is $1,000. If you have hurricane losses on more than one policy with the same insurer group, the highest hurricane deductible among those policies applies. Enter earlier losses in the calculator above to see your figure.

Only if the storm system was declared a hurricane by the National Hurricane Center. Wind damage from a tropical storm or depression that never became a hurricane is not a hurricane loss under Florida's definition, so your AOP deductible applies. The definition turns on the storm system and the statewide hurricane period, not on the wind speed at your address, so damage from a declared hurricane during that period counts as a hurricane loss (Fla. Stat. § 627.4025(2)). If the storm was never declared a hurricane, or your damage happened outside the hurricane period, ask the carrier to explain in writing why it applied the hurricane deductible.

If the covered damage falls below the hurricane deductible, the policy does not pay for it, but the loss still counts. Florida applies the hurricane deductible to all covered hurricane losses in a calendar year, and your insurer may require you to report losses below the deductible or keep receipts so they can be applied to a later hurricane claim (Fla. Stat. § 627.701(5)(a)). A careful inspection also matters: damage that is easy to miss, such as roof underlayment damage or rain that entered through an opening the wind created, counts toward the deductible once it is documented.

Yes. Three disputes to watch for: a hurricane deductible applied to damage outside the hurricane period, a full hurricane deductible charged on a second hurricane after earlier losses that year, and a hurricane deductible and a separate roof deductible applied to the same loss. Each is worth challenging. A licensed Florida public adjuster can review the declarations page, the loss date, the NHC declaration timeline, and the damage documentation to confirm whether the deductible was applied correctly.

The calculator above is built for Florida personal residential policies, such as homeowners and condo unit owner policies. Commercial residential policies, such as condominium association and apartment building policies, follow different rules: the insurer must offer a choice between a hurricane deductible that applies once per calendar year and one that applies to each hurricane (Fla. Stat. § 627.701(5)(b)), and it may offer a hurricane deductible of up to 10% of the insured value if it also offers 3% (§ 627.701(8)). Other commercial property deductibles are set by the policy form. For a condo association, try our condo master policy deductible calculator. If you own commercial property and want to understand your deductible exposure, contact Shoreline directly and we will walk through your declarations page with you.