Texas Homeowners: What You Need to Know About Rising Roof Insurance Deductibles
If you’re a homeowner in Texas, you may have noticed changes in your insurance policy—specifically, an increase in your deductible for roof damage. Many insurance companies are raising deductibles from 1% to 2% of your home’s insured value, meaning higher out-of-pocket costs for roof repairs or replacements. Additionally, insurers may change how they calculate payouts for older roofs, switching from Replacement Cost Value (RCV) to Actual Cash Value (ACV).
Deductible costs
How to Find Out Your Insurance Deductible
If you're unsure what your deductible is, here are a few ways to check:
Check Your Homeowners Insurance Policy
Look for the “Declarations Page” (also called the Dec Page). This document outlines your coverage limits, deductible amounts, and policy details.
Deductibles for roof damage are often listed under Wind/Hail Deductible or Named Storm Deductible and may be shown as a percentage (e.g., 1% or 2%) of your home’s insured value or as a fixed dollar amount.
Log Into Your Insurance Company’s Online Portal
Most major insurance providers allow policyholders to view their coverage details online.
Log in to your account and check the policy summary for deductible amounts.
Call Your Insurance Agent
If you’re unsure, your insurance agent can clarify your roof coverage, deductible, and whether your policy is RCV or ACV.
They can also explain any recent changes to your policy.
Review Your Most Recent Renewal Notice
When your policy renews, the insurance company sends a notice with updated terms. If your deductible increased from 1% to 2%, it should be mentioned there.
What Do These Changes Mean for You?
Higher Deductibles = Higher Costs
If your home is insured for $300,000, a 1% deductible means you pay $3,000 before insurance covers the rest.
With a 2% deductible, your out-of-pocket cost doubles to $6,000.
RCV vs. ACV – A Big Difference in Payouts
RCV (Replacement Cost Value): Covers the full cost of replacing your roof (minus your deductible).
ACV (Actual Cash Value): Pays only the depreciated value of your roof, meaning older roofs receive lower payouts.
Why Are These Changes Happening?
Insurance companies cite increasing storm damage claims, inflation, and rising material costs as reasons for adjusting policies. Texas is prone to severe weather—hail, high winds, and hurricanes—leading to frequent claims. To offset risks, insurers are shifting more financial responsibility to homeowners.
How to Protect Yourself
Review Your Policy: Check your deductible percentage and whether your roof is covered under RCV or ACV.
Ask About Discounts: Some insurers offer discounts for impact-resistant roofing materials.
Consider a Roof Inspection: A well-maintained roof may help you negotiate better coverage terms.
Compare Policies: Shop around for the best coverage options before renewal.
For more details on Texas home insurance and roof coverage, visit:
If you’re facing a roof replacement, Bunton Roofing is here to help. Contact us for an inspection and expert guidance on navigating your insurance claim!