The hidden cost of your insurance . With hurricane season in full force now would be a good time to review your homeowners insurance policy. Most coastal policies contain separate higher deductibles for wind or named storms but more frequently many inland policies are being written the same way to save money. The rational is the named storm will not make it that far inland.Don’t risk it. Your $1,000 deductible could easily be $10,000 if your policy contains this language. Don’t be caught by surprise. Review your policy now or have us do it for you.