Hurricane vs Named Storm vs Wind/Hail Deductible - Homeowners Insurance

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Hurricane vs Named Storm vs Wind/Hail Deductibles

A deductible is what you pay out of pocket in a claims scenario before the insurance company starts footing the bill. Home insurance deductibles come in many flavors, but the most common are:

  • AOP Deductible (all other perils)
  • Wind/Hail Deductible
  • Hurricane Deductible
  • Named Storm Deductible
  • Water Damage Deductible
  • Earthquake Deductible
  • Flood Deductible

For you, the homeowner, you use the deductible associated with what caused the damage. While some deductibles are very obvious, there is more confusion around the Hurricane vs Named Storm vs Wind Deductibles, especially in certain coastal home insurance policies. 

  1. Wind Deductible - if wind damages your property from a storm that is not a named storm or hurricane, use this deductible.
  2. Named Storm Deductible - if a storm damages your property that is named, use this deductible. (unless that named storm is a hurricane AND you have a hurricane deductible). Storms are named by the US National Weather Service, the US National Hurricane Center, or the US National Oceanic and Atmosphere Administration (NOAA).
  3. Hurricane Deductible - if a hurricane damages your property, use this deductible. To be at least a Category 1 hurricane, winds have to be sustained at 74 mph or more. Any category 1-5 hurricane would fall under this deductible. Note: some states require at least a cat 2 hurricane in order for the hurricane deductible to be activated 

Now keep in mind that hurricane damage is a subset of wind damage. So if your policy does not have a hurricane deductible, the wind deductible would apply if you have hurricane damage. To see how these relate more visually:

how home insurance deductibles work

Notice hurricanes are a subset of named storms. So if you have two policy choices that are nearly identical in price and coverage, but one has a high named storms deductible and one has a high hurricane deductible, choose the high hurricane deductible. This is because the high deductible for named storms will kick in more frequently than a high deductible for hurricanes. An example of named storm that is NOT a hurricane is Tropical Storm Sandy. An example of a hurricane that is also a named storm would be Hurricane Harvey. Homeowners would like to avoid high deductibles so go for the smallest circle you can...

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Hope you now have a better understanding of home insurance deductibles!

At your service,
Young Alfred