In most cases, hurricane and windstorm deductibles are included in windstorm insurance policies. Another option is a named-storm deductible. The kind of storm that damaged your home determines the kind of deductible you pay. Hurricane deductibles, for instance, typically cover damage caused by a named storm. You can get help navigating the differences with your insurance agent.

Note: Windstorm insurance deductibles are typically calculated as a percentage of your home’s total insured value, regardless of the kind of storm. You for the most part get to choose a rate between 1% to 10% for your deductible, in spite of the fact that your insurance agency might have different procedures.3