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Hurricane Supplemental Insurance by Vertus Insurance Partners

Cat4Home provides complete named storm or hurricane deductible reimbursement for homes valued up to $5,000,000 and a maximum hurricane deductible of $100,000. CAT4Home offers the opportunity to minimize or even eliminate homeowners’ out-of-pocket expenses, based on damage sustained after a named storm or hurricane (Category 1 or higher) as defined and announced by the national forecasting service that is recognized by the state – the National Oceanic and Atmospheric Administration (NOAA) or the National Weather Service (NWS).

The Hidden Cost of Named Storm and Hurricane Deductibles

View our brief video to see the potential impact
of a hurricane on your pocketbook

Cat4Home – A Smart Choice for Florida Homeowners

  • Florida ranks #1 in the nation with over $80 billion in catastrophic losses over the past 30 years.
  • In 2018 in Florida, the impact of Hurricane Michael resulted in 94,000+ residential property claims with total estimated losses in excess of $5.8 billion.
  • In 2017, Hurricane Irma alone caused over $11 billion in insured losses – Over 800,000 Florida homeowners filed Irma claims . . . they paid millions of out-of-pocket dollars just to meet their deductibles.