Deductible
The amount you pay before coverage kicks in.
Florida home policies typically have a standard deductible (flat dollar) and a hurricane deductible (percentage). You pay the deductible, then the carrier pays the rest up to the policy limit.
In practice
Where you encounter "Deductible" in Florida claims
Policyholders see "Deductible" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
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Related terms
The depreciated value of damaged property.
The full cost to replace damaged property at current prices.
A percentage-based deductible for named hurricanes.
Dwelling coverage for the structure of your home.
Other Structures coverage.
Related glossary entry: Pack-Back.
Related glossary entry: Fair Rental Value.
Related glossary entry: Quick-Pay Discount.
Related glossary entry: Civil Remedy Notice (CRN).
Related glossary entry: Wind Mitigation Form.
Related glossary entry: Effective Date.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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Where else this term matters
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Free review. No fee unless we recover more.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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