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Is there a deductible for roof insurance claims?

Updated: Mar 29, 2023

Investing in yourself financially is a huge part of home ownership. While your home needs to be protected too, you don’t want to pay more than you need for proper coverage. But, you also don’t want to be drowned in repairs and replacements. If and only if there's something that will happen to your home or to your property. So to make sure you are not receiving the coverage you need, without paying too much upfront, it’s important that you pay close attention to your deductible amounts. We have outlined everything you should know about homeowner's insurance deductibles.

What is a homeowners insurance deductible?

A homeowners insurance deductible is the amount you’ll pay out of pocket before your insurance coverage kicks in. Say that your home was damaged in a storm (or other named peril), and you previously set your dwelling deductible limit to $1,000. If the confirmed damage comes to $3,000, you’re on the hook for the first thousand dollars and your insurer pays the rest.

Types of home insurance deductibles:

  • Fixed Dollar Amount means you can select the exact amount you want to pay upfront in the event you need to file an insurance claim.

  • Percentage deductibles are based on the Coverage A value of your home.

  • Split deductibles mean that some of your coverage categories are under a dollar amount deductible, while others are under a percentage.

Another factor that will affect your home insurance deductible rate is your home’s location. If your house is located in a high-risk area (think the coast, or earthquake/flood zones), you’ll often be required to extend your deductible or add-on coverage. While this varies by state, many lenders won’t approve your mortgage until you’re protected from natural disasters that are common in your area.

To make sure you’re setting yourself up for long-term success, it’s smart to limit your deductible to no quiet you'll afford to pay upfront. While you'll not need to file a claim often, once you do, you would like to form sure that it doesn’t completely drain your savings before coverage comes into play.

There’s a lot to factor into your decision on what homeowners deductible limit is best for your needs. Conducting proper research is crucial to make sure that your home is adequately protected in the case of a fire, break-in, or natural disaster. Head over to our homepage to get a quote for your homeowner's insurance deductibles in less than 60 seconds — really!


Director of Operations

Lead Claims Consultant, IICRC Certified Technician

APD Roofing

April C

Marketing Assistant/Office Manager

APD Roofing


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