Hurricane Deductible Insurance News and Updates

We strive to help keep our customers, our Agents and the general public informed about hurricane-related advances, important changes in the insurance industry, and new insurance products in both personal lines and commercial risks. Below, we are assembling this type of important information in one place. Check back often to stay informed about the excellent coverage options and collaborative partnerships that we are working hard to build and provide for homeowners and businesses.

May 24, 2021

Florida Round Table Interviews Joseph Braunstein, President of Vertus Insurance on the beginning of Hurricane season and how Cat4Home Supplemental Insurance can help with homeowners insurance deductibles.

November 5, 2020

Hurricane deductible buy-back insurance program expands to three East Coast states

Following one of the most active Atlantic-storm seasons on record, homeowners in South Carolina, North Carolina and Virginia now have access to Cat4Home

Jacksonville, FL (November 5, 2020) –Vertus Insurance Partners and Zurich North America have expanded the Cat4Home deductible buy-back insurance product to customers in South Carolina, North Carolina and Virginia. The expanded offering comes on the heels of the second most active Atlantic hurricane season on record with 27 tropical or subtropical storms. Cat4Home provides a 100 percent reimbursement of the hurricane or named-storm deductible that applies to a customer’s personal homeowners policy in the event of a storm-related claim. The coverage is already available in Florida and Texas. Homeowners are often unaware of the large financial burden of their storm-related deductibles, which can lead to additional anxiety during an already stressful time.

“After experiencing a hurricane, the last thing homeowners need to worry about is how they will come up with enough money to cover their hurricane or named-storm deductible,” said Greg Massey, Head of Programs for Zurich North America. “At a time when homeowners in coastal, storm-prone states are facing higher deductibles and a greater probability of storm activity, Zurich and Vertus are thrilled to be offering an alternative solution to help them better recover after a disaster.”

The product is available for homes valued up to $5 million with deductibles ranging from $1,000 to $100,000.  Cat4Home can be purchased for hurricanes only or can be expanded to cover all named storms.

“The coastal states of South Carolina, North Carolina and Virginia have been hit by far too many major storms over the years, including Florence, Floyd, Matthew, Isabel and, now, Isaias in 2020.  When disaster strikes, homeowners are often surprised to discover that they are expected to pay their deductibles out of pocket before their homeowner insurance kicks in. With a standard two percent hurricane deductible or greater, those first-dollar storm damage expenses can add up fast,” said Joe Braunstein, President of Vertus.  “Cat4Home covers the cost of this deductible, addressing this real-world challenge in a creative and cost-effective way. We are excited to bring this same quality coverage to new markets, giving our agent partners in these important coastal states the tools they need to help their insureds fully protect their homes and their savings.”

For additional information or to become an Appointed Agent for Vertus products, please visit or email

June 1, 2019

New Cat4Home hurricane deductible buy-back program from Zurich and Vertus Insurance Partners eliminates the out-of-pocket expenses of homeowners’ hurricane deductible if they file a claim following a loss from a category 1-5 storm. Read the details >>