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    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #1

    Jul 16, 2012, 07:54 AM
    Home Owners Insurance
    We have a hurricane deductible 10%of $11,667.00= $1,166.70
    Then we have a peril deductible of $2,500.00

    Which one of these deductibles takes ascendancy over the other?
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,505, Reputation: 4600
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    #2

    Jul 16, 2012, 08:38 AM
    Quote Originally Posted by pastor1189 View Post
    We have a hurricane deductible 10%of $11,667.00= $1,166.70
    Then we have a peril deductible of $2,500.00

    Which one of these deductibles takes ascendancy over the other?

    Are both policies through the same company?

    My policy (and I have a flood insurance policy) is similar but both policies address the specifics. If it's a flood, claimed on flood insurance, that policy's deductible comes into play.

    If it's, for example, a fire my HO comes into play with a $1,000 deductible.

    The flood insurance is in play ONLY when there's a flood, to the exclusion of other coverage.
    pastor1189's Avatar
    pastor1189 Posts: 1,538, Reputation: 3
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    #3

    Jul 16, 2012, 09:10 AM
    Thanks. I am in Florida. Same insurance company.. No flood insurance.

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