One of the most common questions homeowners ask during the restoration process is: “What is my deductible, and when do I need to pay it?” While the term “deductible” is frequently used during insurance claims, its role in the repair process can sometimes feel unclear—especially during the stress of storm damage.

At All Peril, we don’t interpret insurance policies or offer coverage advice. However, we do play an important support role by helping contractors and carriers communicate clearly and keep repairs on track. That includes helping make sure expectations around deductibles are understood and documented appropriately.

Here’s everything you need to know about what a deductible is, who pays it, and how it fits into your storm recovery.

What Is a Deductible?

A deductible is the amount you, as the policyholder, are responsible for paying out of pocket before your insurance coverage applies. It’s part of the agreement between you and your insurance provider. Your deductible amount is typically listed in your policy and may vary depending on the type of damage or region.

For example:
If your claim is approved for $10,000 in storm repairs and your deductible is $1,000, your insurance carrier will typically issue payment for $9,000. The remaining $1,000 is your responsibility.

When and How Is the Deductible Paid?

Most commonly, your deductible is paid to the contractor performing the repairs, not the insurance carrier. Contractors typically apply the deductible amount to your final invoice or require it upfront before work begins.

Here’s what to expect:

• Some contractors collect the deductible at the start of the job.
• Others may wait until work is complete, depending on the project type.
• In all cases, it is the homeowner’s responsibility to ensure the deductible is paid to remain compliant with insurance requirements.

Failure to pay your deductible could delay your project or affect your claim status. In some regions, not paying the deductible is considered a violation of state insurance fraud laws.

Why Am I Being Asked to Pay?

Paying your deductible is a required part of the claims process. Insurance policies are designed with the understanding that the homeowner shares a portion of the cost when a covered loss occurs. While it may feel frustrating during an already stressful time, it’s a standard part of how claims are structured.

All Peril does not collect deductible payments, but we do assist in making sure that your documentation is clear, and that your contractor’s scope and invoices align with project expectations.

What If I Can’t Afford the Deductible?

This is a very common concern—especially after an unexpected storm event.

If covering the deductible in full is a challenge, here are a few options that may be available through your contractor:

• Payment Plans: Many contractors are willing to split the deductible into scheduled payments.
• Third-Party Financing: Some contractors partner with financing platforms (like Enhancify or Acorn Finance) to offer payment options with low or no upfront cost.
• Home Equity or Credit Resources: In urgent situations, homeowners may use a line of credit or low-interest credit card.

At All Peril, we can help connect you with your contractor or provide information about third-party financing options they may offer—but we do not process payments ourselves.

How All Peril Supports the Process

We believe in clarity at every stage of your repair project. While we’re not involved in claim approvals or coverage discussions, we assist in making sure:

• The deductible is clearly outlined in the project documentation
• All stakeholders (contractor, carrier, and homeowner) are on the same page
• The payment process is communicated early to avoid delays later

Our goal is to ensure that once your claim is approved, your repair moves forward as efficiently as possible—with no last-minute surprises.

Final Note

Paying your deductible may not be the most exciting part of the process, but it is one of the most important. By handling it early and clearly, you help keep your restoration project on track—and avoid unnecessary delays in returning your home to pre-loss condition.

Have more questions? Reach out through our Contact Us page, and we’ll make sure the right person follows up with you or your contractor directly.