A Florida hurricane deductible is usually a percentage of your dwelling (Coverage A) limit, commonly 2%, 5%, or 10%, and it applies to hurricane damage instead of your regular deductible. On a home insured for $400,000, a 2% hurricane deductible means you pay the first $8,000 of a hurricane claim.
Under Florida law, the hurricane deductible applies once per calendar year. If two hurricanes damage your home in the same year, you generally don’t pay the full deductible twice. Other storm damage, such as a tropical storm or a summer thunderstorm, falls under your regular all-other-perils deductible.
Also note: Florida generally requires a new or reopened homeowners claim to be filed within one year of the date of loss, so report storm damage promptly.
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