What will you pay if insurance covers your roof?
For most storm claims, your share is your deductible. Enter your numbers below and see it, plus a ballpark for the roof itself.
$0
A full replacement on a home like yours is often $0.
- You pay your deductible plus any upgrades you choose, by Texas law
- If your policy pays actual cash value, depreciation is also taken off
An estimate, not a promise of coverage. Your insurer decides what is covered and approved. Your declarations page shows your exact deductible.
Find out if your roof has a claim.
A free storm inspection gives you dated photos of every hit and a straight answer on whether filing is worth it. We reply within the hour.
- Free, no obligation
- We meet your adjuster on the roof
- Every photo is yours to keep
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How we work it out
If your deductible is a percentage, it is that percentage of your dwelling coverage. If it is a dollar amount, that amount is your share. The roof ballpark uses the size of your home with typical North Texas pricing, so you can see roughly how much an approved claim would cover after your deductible.
Your insurer decides what is covered and how much is approved, and an actual cash value policy also subtracts depreciation. Read more in how to file a roof insurance claim in Texas.
Paying without insurance? Use our cash price estimate instead.
Deductible questions
Where do I find my deductible?
On the declarations page of your homeowner policy, usually the first pages. Look for a wind and hail deductible, sometimes called a named storm or all other perils deductible, and your Coverage A, the dwelling amount.
How does a percentage deductible work?
It is a percentage of your dwelling coverage, not of the claim. On a home insured for $400,000, a 2% deductible is $8,000, no matter how big the claim is.
Can a roofer pay or waive my deductible?
No. Texas law requires you to pay your deductible, and a contractor who offers to waive, absorb or rebate it is breaking the law. Be careful with anyone promising a free roof.
Is it worth filing if my deductible is high?
Only if the covered damage costs clearly more than your deductible. If it does not, a claim pays nothing. A free inspection tells you which side of that line you are on before you file.
What if my policy pays actual cash value?
Then the insurer subtracts depreciation for the age of the roof as well as your deductible, so you get less. Replacement cost policies usually pay the held back depreciation once the work is finished.
Storm damage? Get it on the record.
Free inspection, every photo yours, and a straight answer on whether to file. We reply within the hour.