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Put a hurricane percentage deductible into dollars
For a percentage deductible, multiply the dwelling coverage limit specified by your policy by the deductible percentage. Use the policy’s insured amount, not your home’s sale price.
Illustration: $400,000 dwelling limit × 2% = $8,000. This is deductible arithmetic, not a claim payment estimate.
Your policy controls the amount and when it applies. Prior hurricane losses, policy changes and other terms can affect the remaining deductible. This worksheet does not calculate those adjustments or establish coverage.
Read Florida DFS hurricane deductible guidance · Explore homeowners coverage
Build a home inventory you can find later
Work one room at a time. Photograph belongings, note identifying details and keep receipts or appraisals with your records. Store a backup where you can access it if your home or phone is damaged.
| Room / item | Description, model / serial number | Purchase date / cost and receipt location |
|---|---|---|
| Living areas | ||
| Bedrooms | ||
| Kitchen / appliances | ||
| Garage / tools | ||
| Jewelry / collections |
Discuss valuable items and policy sublimits with your agent. An inventory documents belongings; it does not add coverage or guarantee a claim payment.
Download Florida DFS’s homeowners toolkit and inventory pages (PDF).
Keep storm and claims resources within reach
For immediate danger, call 911 and follow local emergency instructions. For a claim, use the reporting contact on your policy or your insurer’s official site. Document damage when safe and retain relevant receipts and communications.
- Broward County hurricane information and preparedness
- Florida DFS storm insurance resources
- Direct Insurance Network payments and claims directory
- Existing-client policy service requests
Have your policy details available when contacting the insurer. Our agency can help you find the right service route; the insurer handles coverage and claim decisions.