how hurricane deductibles are calculated
to some degree depending on the state insurance companies dictate the level of the hurricane deductible and where it should apply however insurers hurricane deductible plans are subject to state insurance departments and may be subject to various regulations and laws rhode island for example sets a cap of 5 on hurricane and windstorm deductibles 3in florida located in a particularly hurricane prone region state law sets some requirements homeowners have to have the option of a 500 flat rate hurricane deductible premiums may of course be higher than if you choose one of the other mandated options 2 5 or 10 of the insured value of the residence 1in some states homeowners may pay lower insurance premiums if they make improvements to their home to minimize damage from a hurricane such as installing storm shutters or hurricane resistant laminated glass windows and doors 