In Louisiana, the primary difference between these two deductibles lies in how they are calculated and when they are applied. We recommend reviewing your policy declarations page to understand which one will apply to your specific claim.

• Standard Deductible: This is a fixed dollar amount (such as $500 or $1,000) that you pay out-of-pocket for any covered peril, such as fire, theft, or non-hurricane wind damage.
• Hurricane Deductible: Also known as a named storm deductible, this is calculated as a percentage of your home’s total insured value—typically ranging from 1% to 5%. This deductible is only triggered when damage is caused by a storm officially named by the National Hurricane Center.

For example, if your home is insured for $200,000 and you have a 2% hurricane deductible, your out-of-pocket cost would be $4,000 before insurance coverage begins. By contrast, a standard deductible remains the same regardless of your home’s total value.

State regulations in Louisiana also mandate that hurricane deductibles apply on a per-season basis rather than per storm. This means once you have met your deductible for one named storm, subsequent named storms in the same season fall under your standard policy terms.

At Triumph Roofing and Construction, we offer a free roof inspection and can assist with Insurance Claims Assistance for Roof Damage by providing detailed photo reports and documentation. While we help organize your claim, please note that we do not guarantee claim approvals or specific insurance outcomes.

If you have questions or want to request more information or an estimate today, contact us at 318-674-PROS (7767). We are open 24/7, Monday through Sunday.

• Louisiana Hurricane Deductible for Roof Damage: Complete Guide