Every Bridgeway state except Tennessee has coastal exposure — and every coastal BOP carries a separate named-storm wind deductible of 2% to 5% of the insured value. A $500,000 build-out with a 5% deductible means $25,000 out of pocket before the carrier pays anything after a hurricane. Florida applies wind deductibles statewide under Fla. Stat. § 627.701; Louisiana, Mississippi, Alabama, North Carolina, and Georgia apply them by county. Residual markets (Citizens FL, LA Citizens, NC Beach Plan, Alabama Beach Pool) fill the gap where admitted carriers withdraw.
See coastal deductible mechanics in the Mississippi, Florida, and North Carolina guides.
