Understanding Roofing Insurance Deductibles: A Homeowner’s Guide

What You’re Really Responsible For in a Roof Claim

Filing a roofing insurance claim after a storm? You’ll likely hear a lot about your deductible—but many homeowners don’t fully understand how it works, or what it means financially.

Let’s break it down so you’re fully prepared when it matters most.

📄 What Is an Insurance Deductible?

Your deductible is the portion of the repair cost you’re responsible for paying before insurance kicks in.

For example, if you have a $2,000 deductible and your roof claim is approved for $12,000:

• You pay the first $2,000

• Insurance pays the remaining $10,000

💰 Common Deductible Amounts

Most homeowners have deductibles ranging from $500 to $2,500, but some policies (especially with hail or wind exclusions) can require percentage-based deductibles—as much as 1–2% of your home’s value.

Always review your policy before storm season.

🛠️ Can You Avoid Paying It? (Spoiler: No)

Be cautious of any roofer who says they can “waive” your deductible—it’s illegal in many states, including Illinois and Iowa, and could lead to denied claims or fraud charges.

We offer financing options if you need help covering that upfront cost legally.

🧠 Plan Ahead

Before filing a claim, make sure you:

• Know your deductible

• Understand what's covered

• Choose a contractor experienced in insurance restoration

🏠 We’ll Guide You Through the Process

At Twin Bridge Roofing and Construction, we explain every part of your roof claim—including your deductible—and help you make the most of your coverage.

📞 Call (563) 655-4902
🌐 Learn more at www.roofqc.com

Don’t get caught off guard—know what you owe before the storm hits.