Should you file a Hurricane claim if your damage is under your deductible?

YES…Your hurricane deductible is based on the calendar year, so you should place a claim as your loss amount will count towards your overall deductible.  So, regardless of how many storms hit Florida, and no matter how many times the home is damaged, you are only responsible for for one hurricane deductible for the calendar year (January 1st to December 31st).  So, once you’ve met your deductible, it no longer applies to any subsequent covered windstorm losses after a hurricane watch or warning has been issued.  And, reporting windstorm claims usually does not reflect negatively on your policy loss history, as it differs from damage caused by all other losses!



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About the author

Mike McManigal has been a Public Adjuster in Florida since early 2004. My first storm experience came in August of 2004 when Hurricane Charley hit Punta Gorda, Florida. Since then, I've handled many storm related claims including Hurricane Katrina in Mississippi, Hurricane Ike claims in Galveston Texas, and numerous Florida storms like Hurricane Wilma/Francis/Jeanne. From commercial to residential, and from storm claims to fire and water claims, I have ample adjusting experience. I represent YOU, the policy holder. My goal is to get you every penny you deserve for your claim.