When your home is damaged by a storm, navigating the repair process can feel overwhelming. One common point of confusion for many homeowners is the deductible—what it is, why it matters, and when it needs to be paid.
At All Peril, we’re not involved in the claims process and don’t interpret insurance policies, but we do support the repair process from start to finish. That includes helping contractors stay organized, keeping homeowners informed, and making sure repairs move forward efficiently. Here's what you should know about deductibles and how they fit into the bigger picture.
A deductible is the amount you're responsible for paying out of pocket before your insurance covers the rest of the repair costs. Think of it as your share of the repair responsibility. The amount is usually set in your insurance policy and varies by coverage type and insurer.
For example, if your insurance approves $10,000 in roof repairs and your deductible is $1,000, your insurer will typically pay $9,000—and the remaining $1,000 is your responsibility.
While it may feel like a financial hurdle, paying your deductible is a normal part of the insurance repair process. It's also a requirement—insurers expect that policyholders fulfill their deductible obligation before full claim funds are released.
Skipping this step or trying to avoid payment can create delays and even put your claim at risk. At All Peril, we encourage transparency and structured coordination so everyone knows what to expect and when.
We understand that storm damage often strikes unexpectedly—and not every homeowner has immediate funds available. That’s why many contractors we work with offer payment flexibility, and in some cases, we provide access to third-party financing tools that can help you split your deductible into manageable payments.
While we don’t handle payment collections ourselves, we’re here to ensure that everything is documented, scheduled, and communicated clearly—so you’re never left guessing.
Understanding your deductible upfront helps avoid confusion and stress later. While we don’t handle claims directly, All Peril works behind the scenes to support your contractor and keep your repair project moving forward smoothly.
If you're not sure when or how your deductible should be paid, talk directly with your contractor. And if you're working with a team supported by All Peril, you can expect consistent communication and reliable coordination every step of the way.
