Hurricane Supplemental Insurance by Vertus Insurance Partners

Cat4Home provides complete 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 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 Hurricane Deductibles

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

Consider this about Cat4Home Hurricane Supplemental Insurance:

If you have a standard 2% deductible, your first-dollar expense can add up fast;

  • $5,000 on a $250,000 home
  • $10,000 on a $500,000 home
  • $15,000 on a $750,000 home

… and you must pay the deductible before your property damage claim is settled by your homeowners’ carrier.

But Cat4Home covers your deductible, …for many, it can reduce your out-of-pocket expense down to $0.

Cat4Home reimburses 100% of  losses covered within your hurricane deductible.

Cat4Home – A Prudent Choice for Florida Homeowners

  • Florida ranks #1 in the nation with nearly $80 billion in catastrophic losses over the past 30 years
  • Last year 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