What your hurricane deductible actually costs you
A hurricane deductible is a percentage of your house, not your loss. Enter three numbers and see the deductible the carrier applies, what you actually collect, and whether your claim quietly lands below the line.
Run your numbers
LIVE · UPDATES AS YOU TYPEEstimate only — not a quote or a coverage determination. Your policy's deductible type, dwelling limit, and endorsements control the real figures. Verify against your declarations page.
Deductible options per Fla. Stat. § 627.701 · SC coastal wind/hail deductibles are contractual · Estimate only, drafted not verified — your policy controls
Hurricane deductible vs. the everyday one
Most policies carry two deductibles. The all-other-perils (AOP) deductible is a flat dollar figure — $1,000, $2,500 — and applies to kitchen fires and burst pipes. The hurricane deductible is different: it is a percentage of your Coverage A dwelling limit, the full insured value of the house, and it only kicks in for a named storm. For example, on a $400,000 home a 5% hurricane deductible works out to $20,000 — before the carrier pays a dollar. That figure is an illustration of the math; your own dwelling limit and deductible percentage set the real number.
Put your real dwelling limit in the first field, pick the deductible on your declarations page, and enter your best estimate of the full loss. The last number is where claims are won or lost: a first-visit adjuster estimate that stops at visible shingles can land "below deductible," while the true scope — decking, underlayment, flashing, code upgrades, and interior damage — clears it easily. If the tool shows you below the line, that is exactly the figure worth a second look.
Wind & hurricane coverage
How the percentage deductible works, and why "below deductible" is so often a scoping dispute.
Open →Claim deadline countdown
Enter your date of loss — get every filing deadline on a live timer.
Open →Roof claim denied?
The response playbook when the carrier closes it "below deductible."
Open →Closed “below deductible”? Check the scope.
If the calculator puts you near or below the line, the question is whether the adjuster measured the full loss. Send the estimate and your photos for a free read — no cost to submit.
HURRICANELAW.PRO The independent policyholder resource for Florida & South Carolina — storm archive, coverage law, denials, bad faith, and the complete claims playbook. 51 storms · 46 carriers · 97 public-adjuster firms · 37 city guides.
▸ SEE THE FULL SITE MAP — EVERY PAGE →HurricaneLaw.Pro is an independent informational resource, not a law firm. Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only — they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by our law firm partner, Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
All legal matters on this site are referred to and handled by our law firm partner, Halversen Law, a licensed law firm in Florida and South Carolina. HurricaneLaw.Pro is an informational resource and is not itself a law firm.