Who Pays the Deductible in a Wind and Hail Claim? Understanding the Law and Your Responsibilities

When your roof is damaged by wind or hail, your first move is usually to file a homeowner’s insurance claim. But many homeowners are surprised to learn that insurance doesn't cover everything—you are legally required to pay your deductible. So who pays it, how does it work, and what does the law say? Let's break it down.

What Is a Deductible?

Your deductible is the amount you, as the homeowner, are responsible for before insurance kicks in. For example, if your roof repair costs $12,000 and your deductible is $2,000, your insurance will pay $10,000. The rest is your responsibility.

Who Pays the Deductible?

You do. Oklahoma law (Oklahoma Insurance Code Section 707.002) requires that homeowners pay their insurance deductible out of pocket. It is illegal for contractors to waive, absorb, or rebate your deductible in any way. Violating this can lead to penalties for both you and the contractor.

Beware of Contractors Who Offer to Cover It

If a roofer offers to “take care of” your deductible, that’s a red flag. It’s not just unethical—it’s illegal. It often leads to:

• Insurance fraud

• Poor quality materials or workmanship

• Risk of voided warranties

At Pledge Roofing and Construction, we follow the law and never cut corners. We believe in honest work, done right.

How Can You Pay Your Deductible?

• Cash, check, or credit card

• Financing options (ask us for more info)

• HSA or home repair savings, if available

We offer flexible financing solutions to help ease the burden and keep your roof—and your budget—intact.

What Happens If You Don’t Pay It?

• Your insurance company may refuse payment

• You could be involved in insurance fraud

• Your warranty could be voided

• Your contractor may use cheap or unsafe materials

Need Help Navigating Your Claim?

At Pledge Roofing and Construction, we work with you and your insurance adjuster to ensure everything is handled correctly—from inspection to completion. Our team is fully licensed, experienced, and compliant with all Oklahoma roofing laws.

✅ Quick Checklist: What to Know About Your Deductible

•  You are legally required to pay it

•  Contractors cannot waive or absorb it

•  Be wary of "too good to be true" offers

•  Ask about financing options if needed

•  Work with a licensed, ethical contractor

  
  

Need a free storm damage inspection or help understanding your deductible? Call us at 405-353-2762 or visit our contact page to schedule a no-obligation consultation. Pledge Roofing and Construction — Roofing You Can Trust.