How does the deductible for roof damage work?
One storm, one deductible
The insurer totals every covered item from the event: roof, gutters, siding, screens, fence and interior ceilings, then subtracts the deductible from that total. Filing the gutters later as a separate claim would only apply a second deductible, so keep everything from one storm on one claim.
Which deductible applies
- All other perils: a fixed amount for fire, lightning and most non-weather losses.
- Windstorm or hail: applies when wind or hail caused the loss. It can be flat or a percentage of Coverage A.
- Named storm or hurricane: some Georgia policies, mostly near the coast, carry a separate deductible triggered only by a named storm.
How it shows on the estimate
The summary page lists replacement cost, less depreciation, less deductible, equals the net claim. If the net is zero or negative, the loss is under your deductible and nothing is paid, although the claim may still be recorded.
Two storms, two deductibles
If hail in April and wind in June both damaged the roof, they are separate occurrences with separate deductibles. Tie each item to the right date of loss.
Who you pay
You pay the deductible to the contractor as part of the repair price. In Georgia a contractor may not waive or rebate it. For how the percentage version works, see percentage wind and hail deductibles.