Can anyone tell me what the W/H deductible would be for a Chubb...

Can anyone tell me what the W/H deductible would be for a Chubb Masterpiece home insurance policy in South Dakota? 4.4M home. There is a small sentence that says . This quote may include a location with a W/H seasonal hurricane deductible. It says consult the agent for more info. I’m guessing yes. The regular deductible is 10k to match mine but we have a flat 10k on this policy. Also, any claims or service horror stories? I’ve nev