Hurricane Deductible Calculator

Q: How is a hurricane deductible calculated?

A hurricane deductible is usually a percentage of the dwelling coverage limit (Coverage A), not a flat amount or a percentage of the loss. On $300,000 of coverage at 2%, the deductible is $6,000.

Q: When does the hurricane deductible apply instead of my normal one?

It usually applies only to damage from a named storm or hurricane, based on state and policy triggers. Other wind or rain events normally fall under the standard deductible.

Q: Why is my hurricane deductible so much higher than my regular deductible?

Because it is a percentage of the coverage limit rather than a flat amount. A 2% to 5% deductible on a high dwelling limit can be thousands of dollars, far above a typical flat deductible.

Q: Does the deductible change what a public adjuster can recover?

The deductible reduces the payout but not the scope of damage. A public adjuster focuses on documenting the full loss so the amount above the deductible is captured correctly.

Work out a percentage hurricane or windstorm deductible from your dwelling coverage limit.

For policyholders

Dwelling coverage (Coverage A)$Your policy's limit to rebuild the home, not the market price.Hurricane / wind deductible%A percentage deductible, commonly 1% to 5%, shown on your declarations page.Estimated loss amount (optional)$The cost of the storm damage, to see what is left after the deductible.

Your estimate

Your hurricane deductible$6,000

Amount above the deductible$34,000

Percentage deductibles apply to the Coverage A limit, not to the size of the loss, and are usually triggered only by a named storm or hurricane. Your actual recovery also depends on coverage, limits, and depreciation. Confirm your deductible on the declarations page.

What it is

This calculator works out a percentage hurricane or windstorm deductible from your dwelling coverage limit, and shows how much of a storm loss is left above it. Enter your Coverage A limit, the deductible percentage, and, if you like, an estimated loss amount.

Hurricane deductibles work differently from standard ones. They are a percentage of the amount your home is insured for, so the dollar figure can be large and is easy to misjudge until you run the numbers.

Why it matters

After a major storm, the deductible is often the first surprise. A 2% to 5% deductible on a high dwelling limit can be many thousands of dollars that you pay before coverage begins, and that changes how you plan repairs and whether a claim is worth filing.

Knowing the figure in advance helps you prepare an emergency fund, decide quickly after a storm, and recognize when an insurer has applied the wrong deductible, for example a hurricane deductible on damage that was not from a named storm.

How to use it

Enter your dwelling coverage (Coverage A) limit from the declarations page, the amount to rebuild the home, not its market price.
Enter your hurricane or wind deductible percentage, also on the declarations page, commonly between 1% and 5%.
Optionally enter an estimated loss amount to see how much sits above the deductible.
Use the deductible figure to plan, and confirm which perils trigger the hurricane deductible versus your standard one.

Frequently asked questions

How is a hurricane deductible calculated?

A hurricane or windstorm deductible is usually a percentage of your dwelling coverage (Coverage A), not a flat dollar amount and not a percentage of the loss. If your home is insured for $300,000 and the deductible is 2%, you are responsible for the first $6,000 of a covered storm loss.

When does the hurricane deductible apply instead of my normal one?

It usually applies only when damage is caused by a named storm or hurricane, based on triggers set by your state and policy, such as when a storm is named by the National Hurricane Center. For other wind or rain events, your standard deductible normally applies.

Why is my hurricane deductible so much higher than my regular deductible?

Because it is a percentage of your coverage limit, not a fixed amount. A 2% to 5% deductible on a high dwelling limit can be many thousands of dollars, far above a typical flat deductible. It is worth knowing the figure before a storm season.

Does the deductible change what a public adjuster can recover?

The deductible is subtracted from a covered loss, so it reduces the payout but does not change the scope of damage. A public adjuster focuses on documenting the full loss and the correct coverage, so the amount above your deductible is captured in full.

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Educational estimate only, not financial, insurance, or legal advice, and not a determination of coverage. Figures are rounded and depend on your policy and state rules. Confirm any number with your public adjuster and your state’s department of insurance.