Ask an Agent: How Do I Reduce My Hurricane and Wind Deductible?

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Hurricane Information for You, Your Family and Your Home

Hurricane Wind Deductible


Q: Is there anything I can do to reduce the huge deductible I have for Hurricane and Wind coverage?

A: This is a question our agents get asked a lot during the hurricane season which runs from June 1 – November 1. Some options are available that can reduce the deductible, and all three are a great choice to off-set this considerable expense.

Here are your three choices:

1.     Many carriers are now offering lower deductibles for hurricane coverage ($500, $1000 or 1%) and the premium for this option will not break the bank.
2.     Carriers have a “disappearing Hurricane deductible” which lowers your deductible by 20% each year that you do not file an all other peril claim and by year six, you would have $0 hurricane deductible.
3.     Purchasing a hurricane deductible buy-back policy is another option to help reduce financial burden. This policy repurchases your deductible to $0.

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