Wind & Storm
Named Storm Deductible
A separate, higher deductible that applies only once a storm is officially named by NOAA — common along hurricane-exposed coastlines.
A named-storm deductible is a distinct, usually percentage-based deductible that applies specifically to damage from a storm NOAA's National Hurricane Center has officially named — as opposed to the broader "wind/hail" trigger some policies use, which applies to any windstorm regardless of naming. Which trigger a policy uses (named-storm vs. all wind/hail) materially changes when the higher deductible applies.
Why it matters
- "Named storm" is a narrower trigger than "wind/hail" — an unnamed severe thunderstorm with damaging wind may fall back to the flat deductible on a named-storm policy, but not on a wind/hail one.
- Coastal Gulf and Atlantic properties are the geography where this distinction shows up most; confirm which trigger your policy actually uses rather than assuming.
Related terms
Wind/Hail Deductible
A separate, usually percentage-based deductible for wind and hail claims — often much larger than the flat deductible on the rest of the policy.
Coverage A (Dwelling Coverage)
The dollar limit a homeowners policy pays to rebuild the structure itself — properly set to rebuild cost, not market value.
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