Florida Insurance Claims Adjuster License Practice Exam

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What type of deductible is associated with hurricane insurance in coastal areas of Florida?

  1. Fixed dollar amount

  2. Percentage of coverage

  3. Tiered

  4. None

The correct answer is: Percentage of coverage

Hurricane insurance in coastal areas of Florida typically comes with a percentage of coverage deductible. This means that you will pay a percentage of the total damage costs, rather than a specific fixed dollar amount or a tiered system where the deductible increases as the damage increases. Additionally, not having a deductible (option D) is not a common practice in insurance and would likely result in higher premiums.

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