If your roof was damaged in a storm and you’re filing an insurance claim, one of the first things you’ll hear about is your roof insurance deductible. But what exactly is it — and how does it affect your out-of-pocket costs?
At Native Sons Roofing, we believe in transparency. Here’s a simple breakdown of what you need to know about deductibles before moving forward with your roofing project.
1. What Is a Deductible?
Your insurance deductible for roof replacement is the amount of money you are responsible for paying before your insurance coverage kicks in. It’s written into your homeowner’s policy — and it applies to most claims, including roof damage from wind, hail, or hurricanes.
Example:
If your deductible is $2,000 and your roof claim is approved for $15,000, your insurance will cover $13,000 — and you’re responsible for the remaining $2,000.
2. Deductibles Are Mandatory — It’s the Law
In Florida and most states, it is illegal for a contractor to “waive” or “cover” your deductible. Any company offering to do so is not only violating state law but also putting you and your claim at risk.
Why it matters:
Insurance fraud — even unintentional — can void your policy, delay your claim, or lead to legal consequences. It’s not worth it.
3. Deductibles Can Vary by Damage Type
Some policies include a separate deductible for hurricane damage, which is often higher than your standard deductible. Be sure to read your policy closely or ask your insurance agent for clarification if a named storm is involved.
4. How We Help at Native Sons Roofing
We work directly with you and your insurance carrier to:
- Provide photo-documented roof inspections
- Offer transparent estimates based on insurance scopes
- Walk you through your deductible responsibility — no surprises
- Offer financing options for your deductible if needed
5. Be Cautious of “Too Good to Be True” Offers
If another roofer promises to “take care of your deductible,” ask yourself — what corners are they cutting to do that? Are they inflating the claim? Using lower-quality materials? It’s not worth the risk to your home, your coverage, or your peace of mind.
Need Help Navigating Your Claim?
Native Sons Roofing is here to make the process simple, honest, and legal. We’ve helped hundreds of Florida homeowners restore their roofs after storms — and we’ll walk with you every step of the way.
Click here to get your free 30-second estimate, or contact us for a no-pressure inspection and insurance consultation.
