1. What Coastal Homeowners Need to Know About Wind & Hurricane Deductibles

As hurricane season approaches, coastal homeowners in South Carolina, Florida and other states across the Southeast need to take a close look at a critical piece of their insurance policy: the wind and hurricane deductible. These specialized deductibles are common in areas prone to storms, yet many homeowners don’t fully understand how they work—until it’s too late.

Why It Matters
A wind or hurricane deductible is the portion of damage costs a homeowner must pay out of pocket before their insurance coverage kicks in. Unlike a standard deductible that might be $1,000 or $2,500, wind and hurricane deductibles are usually calculated as a percentage of the insured value of the home—typically 1% to 5%. For a $500,000 home, that could mean a deductible of $5,000 to $25,000.

How It Impacts You
This difference can be financially devastating if you’re not prepared. Many homeowners assume all deductibles are flat amounts, only to find out too late that they owe tens of thousands before their insurer steps in. Understanding your policy now helps avoid a major financial shock later.

Be Proactive
Review your policy. Know your wind and hurricane deductible amounts and how they’re triggered. In some cases, “named storm” deductibles differ from “hurricane” deductibles. Clarifying this with your insurance advisor can help you prepare and budget accordingly.

How Mappus (Afore) Can Helps
Mappus/Afore Insurance specializes in coastal property risks. We take time to explain your policy, evaluate your exposure, and ensure your coverage aligns with your risk tolerance and financial readiness. We don’t just sell policies—we provide peace of mind.

Contact Mappus/Afore Insurance today for a complimentary deductible review. Know your numbers and be ready—before the storm hits.