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

https://wiki-fusion.win/index.php/Why_Do_People_Say_%E2%80%9CWe%E2%80%99re_Insured%E2%80%9D_but_Still_End_Up_Paying_Tens_of_Thousands%3F

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