02/10/2026
🚨 Big Changes to Roof Insurance Deductibles – What Homeowners Need to Know 🚨
Insurance companies are making a major shift in how deductibles work for hail and wind roof claims — and it can mean a LOT more out-of-pocket cost for homeowners.
👉 In the past, most policies had a flat deductible like $500, $1,000, or $1,500.
👉 Now, many insurance companies are switching to a percentage-based deductible for storm damage.
What does that mean?
Instead of paying a set dollar amount, your deductible could now be 1%–5% of your home’s insured value.
Example:
If your home is insured for $300,000 and you have a 2% wind/hail deductible, YOU would pay:
💰 $6,000 out of pocket before insurance pays anything.
That’s a huge difference compared to a $1,000 deductible.
Why are they doing this?
Insurance companies are trying to reduce the number of smaller claims and shift more cost responsibility to homeowners — especially in storm-prone states.
What should you do right now?
✅ Review your policy — Look specifically for “Wind/Hail Deductible”
✅ Know your percentage — 1% and 5% are very different numbers
✅ Budget ahead — Storm damage isn’t “if,” it’s “when” around here
✅ Call a trusted roofer for an inspection after storms — Catching damage early helps
If you’re not sure what your deductible is or need help understanding your coverage, we’re happy to take a look and walk you through it.
Your roof protects everything underneath it — make sure your insurance still does too. 🏠⛈️
