All homeowner's/property insurance policies here have a different deductable set-up for hurricanes. Instead of, say, a $500 deductable for damage, hurricane deductables are a percentage of value. 2-3% of insured value is typical for that sort of deductable, but some policies may be 5% or 10% instead. Which, considering the value of a lot of beach homes/condos these days, ends up being a good chunk of change. There are also things you need to do for storms that aren't covered by your policy. After Ivan, we spent $2,000 on tree removal, but only about $200 of that counted toward the deductable (removing the tree that actually fell on our garage) and the rest of that was whacking some pine trees that were damaged but still standing, and really needed to be taken down for safety reasons. But preventitive measures don't count toward deductables.