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

https://josuedumv023.tearosediner.net/what-s-the-fastest-way-to-get-cash-for-a-roof-before-insurance-pays

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