Defined term
Named-storm sublimit
A named-storm sublimit is a reduced coverage cap that applies specifically to damage from hurricanes and tropical storms named by the National Hurricane Center.
Coastal property policies often cap wind/storm damage from named storms below the policy's overall limit. The named-storm sublimit may be a flat dollar amount or a percentage of the dwelling limit (typically 2-10%) applied as a deductible.
The sublimit is the recurring fight on Gulf-Coast hurricane claims. Carriers apply it aggressively even where damage occurred outside the named-storm window or where contributing causes (pre-existing damage, post-storm wear) reduce attributable named-storm impact. Detailed damage timeline documentation — when each loss occurred relative to the storm's named window — is essential.