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

https://smoothdecorator.com/how-do-i-figure-out-what-my-rolex-is-worth-before-hurricane-season/

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