Also the deductihle is based on the insured value, meaning what the total rebuild would cost not what you can sell it for or what it is assessed at. Our house in Florida has the rebuild cost at approx. 75 to 100K more than what we can sell it for.

A local non profit here in town, their hurricane deductible is $62,000. They had some minimal damage, several thousand so not close to the deductible.