Typical deductible means you may X amount before Insurance start to cover, it is almost like co pay when you see doctor.
Normal Storm, like blizzard for instance, the deductible for property damages can be anywhere from 500 dollars to a thousand dollars, depending on policy.
BUT if you got Hurricane policy, there is no such thing as just 500 or 1,000 dollars deductible, you gotta to pay minimum of 10% then insurance pay the rest of 90%, sometimes as high as 50%. So, say, with ten percent deductible, and it cost $150,000 to rebuild a house, you first need to pay $15,000 before insurance start to pay the rest. This applies ONLY on Hurricane insurance coverage.