HURRICANE SEASON · FLORIDAFREE · 10 SECONDS

What's your real hurricane deductible?

It's probably not $1,000. Florida policies set it as a percentage of your dwelling limit. Two numbers from your dec page tell you the dollar figure your insurer expects you to pay first.

Know your numbers before you need them.
Hurricane deductible calculator
Before insurance pays a dollar of hurricane damage, you pay
Enter your dwelling limit above
Per calendar year, out of pocket. Most people find out after the storm.
What else is in my policy? →
The Hurricane Readiness Check

Five questions most Florida homeowners can't answer. Your policy can.

Upload your declarations page. We read it and answer all five, with the page and clause each answer came from.

01
Your hurricane deductible, in dollars
A % of Coverage A, not the $1,000 you remember.
02
Wind vs. flood: which is actually covered
Homeowners policies exclude flood. Yours says so.
03
How your roof gets paid: RCV or ACV
After year 15, many policies switch to depreciated value.
04
Law & ordinance coverage: what %
Code upgrades after a loss can cost tens of thousands.
05
Loss of use: how long you can live elsewhere
Coverage D has a limit. Do you know it?
Upload your dec page →Free preview · dollar figures unlock with the $39 report
Not just hurricanes. Not just home.

It reads any policy you own.

Auto, home, flood, umbrella, pet, and life today, more types as we verify each one. Plain-English answers about your own coverage, every one cited to the page of your document.

HomeAutoFloodUmbrellaPetLifeDisabilitySOONHealthSOONBusinessSOON
STEP 1
Upload your dec page
The one- or two-page summary you actually have. Drag it in or snap a photo. Full packet optional, for clause-level answers.
STEP 2
Confirm what we found
We detect the policy type and read every limit, deductible, and endorsement, and show you our reading before anything else.
STEP 3
Ask it anything
Plain-English answers about your own coverage. Every answer points to the page and clause it came from. No guessing, ever.
🔒
Your documents are private. Your policy is never used to train AI models. You can delete everything, anytime.
Example findings · what a report catches
$21,500
Hurricane deductible exposure a homeowner learned before the season, not after.
HO-3 · HURRICANE DEDUCTIBLE
$5,000
Water-backup sub-limit found in a policy whose owner assumed full contents coverage applied.
HO-6 · SUB-LIMIT
ACV @ 15yr
Roof payment schedule quietly added at renewal, caught by a Renewal Diff.
HO-3 · RENEWAL DIFF
Pricing · anchored to what you already pay your insurer
Policy Report
$39 $49
One policy, fully translated + 10 cited questions. Credits toward Household within 30 days.
BEST VALUE
Household
$99/yr
Every policy, every question, renewal diffs, 5 household members. Or $14/mo, cancel anytime.
Incident Reader
$49 $59
Something happened. 72 hours of unlimited questions about what your policy says about it.
What's your real hurricane deductible? · UnderstandMyPolicy