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A standard homeowners policy covers damage from wind. However, damage from hurricane strength winds is a different matter and can cause severe damage to property, even demolishing buildings. Many states in hurricane prone areas have developed specific deductibles that apply in the event of hurricanes. Many endorsements use watches and warnings from the National Hurricane Center (NHC) or the National Weather Service (NWS) as the trigger for use of the deductibles. Both agencies are part of the National Oceanic and Atmospheric Administration (NOAA). Deductibles are often available as a dollar amount or a percentage, and the insured selects the deductible he is comfortable with and the deductible is scheduled onto the endorsement.

Florida is the only state with calendar year deductibles. Calendar year deductibles are applicable to all losses that occur in one calendar year. If the policy spans more than one calendar year, then two separate calendar year deductibles are used. For example, a policy is effective 6/1/16 through 6/1/17. The calendar year deductible is $5,000. In August 2016, the insured sustains a hurricane loss and the $5,000 deductible is applied. In June 2017, the insured sustains another hurricane loss. Because this is a different year, even though it is the same policy period, another $5,000 hurricane deductible is applied.


Dollar amount deductible

Percentage deductible

When the deductible is in effect or applied

HO 03 18 05 11-AL, DE, GA, MA, NH


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