Hurricane Deductible in Florida Homeowners Insurance Explained

In Florida homeowners insurance (HO‑3, HO‑6, DP‑3), the Hurricane Deductible is a special deductible that applies only to damage caused by a named hurricane. It is separate from the All Peril deductible and is usually much higher.

The hurricane deductible is listed on the Declarations Page and is one of the most important numbers in the entire policy.

How the Hurricane Deductible Works

The hurricane deductible is a percentage of the Dwelling coverage (Coverage A), not a flat dollar amount.

• 2% Hurricane Deductible
• 5% Hurricane Deductible
• 10% Hurricane Deductible (less common)

Example:

• Coverage A: $300,000
• Hurricane Deductible: 2%
• Deductible amount: $6,000

This deductible applies only when the loss is caused by a named hurricane as defined by Florida law.

When the Hurricane Deductible Applies

Florida statute defines a “hurricane event” window:

• Begins when the National Hurricane Center issues a hurricane watch or warning for Florida
• Ends 72 hours after the last watch or warning is lifted

If the damage occurs inside this window, the hurricane deductible applies.

Hurricane Deductible vs. All Peril Deductible

• Hurricane Deductible: Percentage; applies only to named hurricanes.
• All Peril Deductible: Flat amount; applies to most other losses.

Florida‑Specific Notes

• All Florida homeowners policies must include a hurricane deductible.
• Citizens offers 2%, 5%, and 10% options depending on region.
• Higher deductibles lower premium but increase out‑of‑pocket cost.
• Hurricane deductible applies only once per calendar year.
• Subsequent hurricane losses in the same year use the remaining deductible.

Why the Hurricane Deductible Matters

Florida homeowners must understand their hurricane deductible because it directly affects:

• Out‑of‑pocket cost after a storm
• Claim expectations
• Roof and exterior damage settlements
• Financial planning during hurricane season

The hurricane deductible is one of the most important parts of a Florida homeowners policy.

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