Florida hurricane deductibles can mean paying 2%, 5% or 10% of insured value...

https://miamiweekly.com/hurricane-deductibles-and-the-rolex-in-your-safe-a-miami-homeowners-liquidity-question/

Florida hurricane deductibles can mean paying 2%, 5% or 10% of insured value first. On a $500,000 home, that’s $10,000–$50,000. Consider cash options like a collateral loan or selling a Rolex; schedule valuables and store policy documents in the cloud.