In Connecticut, home insurance policies might require a separate deductible to cover hurricane damage. This deductible is typically higher than the standard homeowners insurance deductible — usually set as a percentage (2 to 5 percent) of the property value depending on the insurer. By law, hurricane deductibles may apply when the National Weather Service issues an official hurricane warning anywhere in the state and should end 24 hours after the storm is downgraded or the warning is terminated.