Hurricane Deductible Stack Calculator

Hurricane deductibles are typically 1-5% of insured value.

Insured value

Hurricane deductible %

Standard deductible

Hurricane deductible

$450,000

Total if both triggered

$475,000

Hurricane/standard ratio

How the math works

Hurricane deductible = insured value × %. Total if both triggered.

$15M × 3% = $450k hurricane deductible. 18× the standard $25k deductible.

How to Use

Enter insured value.
Enter hurricane deductible %.
Enter standard deductible.
Read deductible amounts.

Frequently Asked Questions

Hurricane deductible?

Separate deductible applied for named storm (hurricane) damage. Typically 2-5% of insured value. Higher for coastal properties. Triggered by named storm (NOAA tropical storm/hurricane designation). Covers all named-storm damage until exhausted.

Cost impact?

5% deductible on $10M property = $500k. Applies to hurricane damage. Standard deductible ($25k) still applies to other perils. Different for each policy — check declarations carefully.

Reducing exposure?

Deductible buyback (premium addition, deductible reduction). Stack multiple insurance layers. Captive insurance structure. Target property age improvement (older buildings higher rate). Hurricane shutters reduce rate.

How do insurance carriers view this?

Insurance carriers underwrite per-peril and often stack deductibles — named storm, wind, hail, flood, and standard can all apply separately on a single event. Confirm with your broker which deductibles actually apply to your policy and stress-test liquidity against the highest applicable deductible. Endorsements and riders can modify base terms; read declarations carefully and keep a written summary on file for claim time.