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: replacement cost or depreciated
After about 15 years, many policies switch to actual cash value (ACV), the depreciated amount.
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. Clear answers about your own coverage, every one cited to the page of your document.

HomeAutoFloodUmbrellaPetLifeDisabilitySOONHealthSOONBusiness
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
Clear 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
Depreciated roof
Roof payment schedule quietly added at renewal: after about 15 years, paid at actual cash value (ACV), not full replacement cost. Caught by a Renewal Diff.
HO-3 · RENEWAL DIFF
Pricing · anchored to what you already pay your insurer
Policy Report
$39
One policy, fully translated, your questions answered. Kept for you to revisit anytime.
HOUSEHOLD
Household
$99/yr
Every policy, every question, renewal diffs, your whole household. Or $10/mo month to month, 2 months free when you pay yearly.
What's your real hurricane deductible? · UnderstandMyPolicy