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My Florida home policy has a separate hurricane deductible. How is it counted if two storms hit in one year?
Home insuranceOtherFloridaChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Florida Statutes · § 627.701(4)(b) View original ↗
In short
- Your policy must show the hurricane deductible in dollars.
- It is counted once a year, not once per storm.
- A later storm can use what is left of it.
What this means
Florida law says a home policy with a separate hurricane deductible must show that deductible as a dollar amount. It goes on the declarations page when the policy is issued, and again on the renewal page or renewal notice [1].
For policies issued or renewed on or after May 1, 2005, the hurricane deductible is counted over a year. It covers all hurricane losses in that calendar year under the same insurer or insurer group [2].
If an earlier hurricane already caused a loss that year, the insurer may use the larger of two amounts for a later hurricane. One is the part of the hurricane deductible that is left. The other is the deductible for other kinds of loss [2]. The law says the insurer may ask you to report smaller losses, or to keep receipts, so they can be counted [2].
Your next step
Keep estimates and receipts for any hurricane loss, even one smaller than your deductible, and report it if your insurer asks. Check the dollar figure on your declarations page.
Check it yourself
Open Florida Statutes 627.701 and read subsections (4)(b) and (5)(a).
Where this comes from (2)
[1] Florida Statutes · § 627.701(4)(b) · checked 2026-11-06
For any personal lines residential property insurance policy containing a separate hurricane deductible, the insurer shall compute and prominently display the actual dollar value of the hurricane deductible on the declarations page of the policy at issuance and, for renewal, on the renewal declarations page of the policy or on the premium renewal notice.
[2] Florida Statutes · § 627.701(5)(a)1. and 3. · checked 2026-11-06
The hurricane deductible of any personal lines residential property insurance policy issued or renewed on or after May 1, 2005, shall be applied as follows:1. The hurricane deductible shall apply on an annual basis to all covered hurricane losses that occur during the calendar year for losses that are covered under one or more policies issued by the same insurer or an insurer in the same insurer group. … If there was…
How we found this
We matched your question to 2 official sources, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
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