What is a typical roof insurance deductible?

What percentage deductibles look like in dollars

• $200,000 dwelling limit: 1 percent = $2,000; 2 percent = $4,000
• $300,000 dwelling limit: 1 percent = $3,000; 2 percent = $6,000
• $400,000 dwelling limit: 1 percent = $4,000; 2 percent = $8,000
• $600,000 dwelling limit: 1 percent = $6,000; 2 percent = $12,000

The percentage is based on the dwelling limit on your declarations page, not the home's market value and not the roof's cost.

Is yours high?

Compare the dollar amount with what a roof replacement costs. A typical North Georgia replacement runs roughly $8,000 to $16,000. If your wind and hail deductible is $8,000, a moderate hailstorm might produce damage that barely clears it, and you would pay half the roof yourself.

Signs it may be worth lowering

• You live in an area that sees hail often
• The deductible is more than you could pay from savings
• The premium savings from the higher deductible are small

How to change it

Ask your agent for quotes at different wind and hail deductible levels, including a flat amount if the insurer offers one. Changes usually take effect at renewal or with an endorsement, not after a storm has already happened.

More: percentage wind and hail deductibles, can a roofer pay your deductible and Robust Roofing's guide to the wind and hail deductible.