Your insurance deductible is the single biggest thing that determines your out-of-pocket cost on a storm-damaged roof. Here's exactly how it works in Alabama and how to read your declarations page before filing a claim.
2026 Price Ranges
| Type | Range |
|---|---|
| Standard flat deductible | $500 – $2,500 |
| Wind/hail percentage deductible | 1% – 5% of dwelling coverage |
| Named-storm deductible (separate) | 1% – 10% |
Real Project Examples
Replacement cost otherwise covered
Typical for older policies
What Moves the Price
- Flat vs. percentage deductible
- Wind/hail separate deductible
- Named-peril exclusions
- ACV vs. RCV payout
Comparisons
RCV pays for full replacement; ACV depreciates — always know which you have
Insurance Coverage
By Alabama law, you must pay your deductible. Anyone offering to 'waive' or 'eat' your deductible is committing insurance fraud and will eventually take you down with them. We never do this. We do help you maximize your legitimate claim scope so the carrier covers what they should.
Financing Options
We offer flexible financing across North Alabama with low monthly payments and same-day approval on most applications. Many homeowners replace their roof for less per month than their cable bill — see our Financing page for terms.
Frequently Asked Questions
Is my deductible negotiable?+
Not on a per-claim basis. You can adjust your policy deductible at renewal.
What if I can't afford my deductible?+
We offer financing that covers the deductible portion — common when replacement is needed urgently.