The declaration page
Five percent of hull value is a cash number, not a slogan. Add the haul-out gap if the policy caps labor reimbursement.
A named-storm percentage is applied to hull value. Haul-out reimbursement is a separate sub-limit. A common published benchmark is 50% of labor up to $1,000.
Named-storm deductible
$25,000
Ordinary deductible
$5,000
Extra dollars from the storm percentage
$20,000
Haul-out reimbursed
$1,000
Haul-out you still pay
$1,500
Deductible plus haul-out gap
$26,500
No written storm plan is marked. Many hull forms treat a missing haul-out plan as a warranty condition. Read the navigation and named-storm wording before hurricane season. The combined figure is the deductible plus the unreimbursed haul-out. It is not a claim payment.
Insurance coverage
Florida wind policies often switch deductibles when a storm is named. See dollar examples on a $400,000 hull value and how that hits your cash before a claim.
10 min read · Reviewed November 4, 2026 · FL
Storm operations
Insurers tie named-storm coverage to written haul-out or evacuation steps. Compare marina contract language, lead times, and out-of-pocket haul costs.
11 min read · Reviewed November 4, 2026 · FL, TX, NC, SC
Regional rules
Coastal Texas policies layer windstorm pools, named-storm deductibles, and marina haul requirements—modeled with premium and deductible math.
11 min read · Reviewed November 4, 2026 · TX
Regional rules
Lay-up endorsements, freeze damage exclusions, and indoor storage receipts insurers expect on Great Lakes boats valued above $200,000.
10 min read · Reviewed November 4, 2026 · MI