After a Florida hurricane, your insurer may cover the damage but not the first...

https://miamiweekly.com/hurricane-deductibles-and-the-rolex-in-your-safe-a-miami-homeowners-liquidity-question/

After a Florida hurricane, your insurer may cover the damage but not the first chunk of the bill. A 2%, 5% or 10% deductible on a $500,000 home means $10,000, $25,000 or $50,000 out of pocket