Instead of waiting for a hurricane to strike, and then reacting, check out all of your policies beforehand. A lot of hurricane insurance policies and deductibles differ from the standard damage policies such as fire or water damages. This is due to the fact that a hurricane can unpredictably cause catastrophic damage, thus, different policies exist in order to properly handle these situations. All other types of damages, excluding hurricanes and flooding, are known as, “All other perils.” Policies with hurricane damage can range from having a deductible of 2%, 5% or 10% of the entire payout and is regarded as part of the coverage A dwelling insurance, a separate coverage from the home insurance and the other perils. At any time, you can always contact your insurer to discuss your deductibles, policy limits, and anything related to your coverage to address any coverage gaps that may exist. If you hire a public adjuster, we can guide you and inform you on all of the steps and information revolving hurricanes and insurance policies and deductibles.