Wendy incurred a 5 percent deductible after her house was damaged post-hurricane. Why was this deductible applied?

The application of the deductible in this scenario relates specifically to the timing of the damage in relation to hurricane warnings. When a hurricane warning is issued, insurance policies often contain stipulations about coverages and deductibles that activate based on these warnings. Specifically, if damage occurs after the termination of a warning, the insurer may impose a deductible as a condition for coverage.

In this case, Wendy's damage occurred only 12 hours after the last hurricane warning had been issued. As a result, the insurer could justifiably apply the 5 percent deductible established under the terms of her policy related to hurricane damage. The timing of the damage in relation to the hurricane warning is critical and directly affects the application of any deductibles in such situations.

The other options do not align with the typical reasoning behind why a deductible would be applied, as they suggest circumstances that do not directly link the timing of the damage to the applicability of the deductible in this instance.