Hurricane Deductible
Insurance Glossary
A separate deductible that applies only to hurricane damage, usually stated as a percentage of the dwelling limit rather than as a flat dollar amount. It takes effect only when conditions written into the policy are met, commonly tied to a storm being named by the National Hurricane Center or to a hurricane watch or warning, along with a time window before and after the storm. Coastal and Gulf states are where these appear, and both the trigger and the percentage vary by state and by insurer.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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