How do roof insurance deductibles work?
By Best Roofing Answers · Published May 2026 · Updated July 2026
Roof claim deductibles are either a flat dollar amount ($500–$2,500 is common) or a percentage of dwelling coverage (1–5%), and in most hail- and hurricane-exposed states the wind/hail deductible is now a percentage line separate from the base deductible — often $5,000–$15,000 on a typical single-family policy.
Percentage deductibles are the surprise
Per III, a policy with $400,000 dwelling coverage and a 2% wind/hail deductible carries an $8,000 out-of-pocket before the carrier pays a dollar on a covered wind or hail claim. Homeowners who remember only their $1,000 base deductible are often shocked. Read the 'Wind/Hail Deductible' or 'Named Storm Deductible' line on your declarations page.
Some states allow buy-down endorsements to convert the percentage back to a flat dollar amount for an added premium.
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