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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