The dwelling limit on your policy declarations page.
Often 1 to 10 percent for named-storm or hurricane coverage.
Deductible already met this season, if your state allows a calendar-year credit. Leave blank if unsure.
Enter your deductible details and an estimated repair cost to see your out-of-pocket cash exposure before insurance pays.
About the hurricane deductible cash checker
The hurricane deductible cash checker turns your policy details into the number that matters most after a storm: how much you would pay out of pocket before your insurer pays anything. Many coastal policies use a percentage hurricane or windstorm deductible, set as a percent of your dwelling Coverage A limit rather than a flat dollar amount, so the real cost can be far larger than the small flat deductible you are used to. Enter your Coverage A, choose a percentage or flat deductible, add any prior deductible credit, and a repair estimate, and the checker shows your deductible in dollars, what is left to meet, your cash exposure, and the estimated insurer payment, all on one screen.
It runs entirely in your browser, needs no sign-up, and keeps no record of the figures you enter. It is a planning estimate, not insurance, legal, or financial advice, and every result links to an official state-insurance-department guide with the date that wording was reviewed so you can confirm the rules for your state, insurer, and policy.
How to use
- Choose your deductible type: a percentage of Coverage A, or a flat dollar amount.
- For a percentage deductible, enter your dwelling Coverage A limit and the hurricane deductible percent from your policy. For a flat deductible, enter the dollar amount.
- If your state allows a calendar-year deductible credit and you already met part of it this season, enter that prior credit. Leave it blank if you are not sure.
- Enter your estimated repair cost.
- Select Check cash exposure to see your deductible in dollars, the amount still owed, your out-of-pocket cash, and the estimated insurer payment.
Worked examples
2% of $300,000 = $6,000 deductible
A 2 percent hurricane deductible on a $300,000 dwelling limit is $6,000, so on a $40,000 repair you would pay about $6,000 and your insurer about $34,000.
5% of $400,000 = $20,000 deductible
A 5 percent deductible on a $400,000 home is $20,000. A percentage deductible scales with your dwelling limit, which is why it can dwarf a typical flat deductible.
Repair below the deductible = $0 from insurer
If your $6,000 deductible is more than a $4,500 repair, you pay the full repair and your insurer pays nothing, so small claims are often not worth filing.
Frequently asked questions
- What is a percentage hurricane deductible?
- It is a deductible set as a percent of your dwelling Coverage A limit instead of a flat dollar amount. For example, a 2 percent deductible on a $300,000 dwelling limit is $6,000. It usually applies only to damage from a named storm, hurricane, or windstorm, depending on your policy.
- Why is my hurricane deductible so much higher than my normal deductible?
- Because it is tied to your home's insured value rather than a fixed amount. A flat all-perils deductible might be $1,000, while a 2 to 5 percent hurricane deductible on the same home can be several thousand to tens of thousands of dollars.
- What is a prior deductible credit?
- Some states let you apply amounts you already paid toward a hurricane or windstorm deductible earlier in the same calendar year, so you do not pay the full deductible twice in one season. If that applies to you and you have already met part of it, enter that amount as the prior credit. Rules vary by state, so confirm with your insurer.
- Does the insurer pay the rest of my repair?
- On a covered claim, your insurer generally pays the covered repair cost above your remaining deductible, up to your policy limits. This checker estimates that amount, but your actual payment depends on coverage, limits, exclusions, and the adjuster's assessment.
- Is this insurance or financial advice?
- No. This tool is a planning estimate only. Hurricane, windstorm, and named-storm deductibles, calendar-year credits, and the storms that trigger them vary by state, insurer, and policy. Confirm the details on your policy declarations page and with your state insurance department before you act.
- Are the numbers I enter stored anywhere?
- No. The calculation happens in your browser, and the Coverage A, deductible, credit, and repair figures you enter are not saved or sent to a server.
- Does it work on mobile?
- Yes. The checker is built to work on phones and desktops, so you can run the numbers from a declarations page on your phone before a storm.
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