Question 1

How much is my roof deductible?

Accepted Answer

Look at the declarations page of your homeowners policy. The Wind/Hail (W/H) deductible is often a percentage of the dwelling coverage limit (commonly 1% or 2%), which usually produces a much larger dollar amount than the AOP deductible. Your insurance agent can confirm the exact dollar amount in writing.

Question 2

Why can't AC INC Roofing waive my deductible?

Accepted Answer

Colorado law (CRS § 6-22-105) makes it a misdemeanor for a roofing contractor to pay, waive, rebate, or absorb any portion of a homeowner’s insurance deductible. Following the law is non-negotiable for us. A contractor that offers to waive your deductible is committing insurance fraud and exposing you to liability with your own carrier.

Question 3

My deductible is more than the damage scope. Should I file?

Accepted Answer

Probably not. If the documented damage scope is less than the deductible, the carrier will not pay anything on the claim and you will have a 'claim filed' record on your CLUE report regardless. A free post-storm inspection from a HAAG Certified inspector tells you whether the scope is likely to exceed your deductible before you file.

Question 4

Does the deductible apply once or per slope?

Accepted Answer

Once per claim. A single covered storm event triggers the deductible one time, even if multiple slopes, gutters, vents, and accessories are involved. A separate weather event on a different date is a separate claim with its own deductible.

Roof Insurance Deductible Explained