A hurricane deductible applies specifically to losses caused by events that meet a hurricane definition — typically tied to a hurricane warning or a Category 1 or greater designation for the area. It is narrower than a named-storm deductible, which can trigger on any named storm including tropical storms.
Why the distinction matters
The trigger definition determines when the large percentage deductible applies. Some policies use a hurricane deductible, others a broader named-storm deductible, and the wording controls which losses are subject to the higher retention. Understanding which trigger your policy uses is essential to sizing your true exposure and structuring a buy-down correctly. A broker can review your policy’s specific deductible language.