What is the average roof insurance deductible?
Short answer. Flat homeowners deductibles of $1,000 to $2,500 are common, but many Georgia policies have a separate wind and hail deductible set as a percentage of the dwelling limit, often 1 or 2 percent. On a $300,000 dwelling limit that is $3,000 to $6,000 for a roof claim, so the percentage matters far more than any average.
Flat or percentage
- Flat, all-peril. A fixed dollar amount, like $1,000, that applies to most claims.
- Wind and hail percentage. A percentage of Coverage A, the dwelling limit, not of the claim. It applies when wind or hail caused the loss, which covers most roof claims.
Find yours in three steps
- Open the declarations page.
- Look for two deductible lines, often labeled all other perils and windstorm or hail.
- If the wind and hail line is a percentage, multiply it by your Coverage A amount.
Why it keeps creeping up
Coverage A often rises at renewal to keep pace with construction costs. A percentage deductible rises with it, even if you never changed anything.
Choosing a deductible
A higher deductible lowers your premium, but you need the cash when a storm hits. A roofer cannot pay, waive or rebate it in Georgia, so plan for it. See percentage wind and hail deductibles and can a roofer pay your deductible.
Is a claim worth it?
Compare a realistic repair or replacement cost with your deductible in dollars. Damage under the deductible is a repair you pay directly, with no claim on your record.