One month into the hurricane season, State Farm’s 308,000 Louisiana homeowner’s customers are confronting an unpleasant change: their policies now include a mandatory 5 percent hurricane deductible. The hurricane deductible was included on new policies in November and added to existing customers as they’ve renewed their policies on or after Dec. 1, spokesman Gary Stephenson said. Most policies had a 2 percent hurricane deductible; State Farm notifies customers of the change roughly five weeks before their policies renew.