If you’ve filed a roof claim with your insurance company, one of the first questions you might ask is: Who do I pay my deductible to?
The short answer: You pay your deductible directly to your roofing contractor — not to your insurance company.
Here’s a quick breakdown of how the payment process works and what to expect.
Step 1: File the Insurance Claim
Start by contacting your insurance company and letting them know about the damage. They’ll walk you through the next steps, assign a claim number, and send out an adjuster to inspect the damage.
Step 2: The Adjuster Approves the Claim
Once the inspection is done, your insurance company will approve a certain amount of money to repair or replace your roof. This total is based on the scope of work and the current value of your roof — minus your deductible.
For example, if your roof damage is covered for $15,000 and you have a $2,000 deductible, your insurance company will only pay a total of $13,000.
Step 3: You Pay the Deductible to the Contractor
Your deductible is your share of the cost, and you pay it directly to the contractor doing the work — not the insurance company.
This is typically paid when you sign the contract, at the start of the job, or when the first check from the insurance company is received — depending on the contractor’s payment terms.
It’s illegal in Texas (and most other states) for a contractor to “cover” or waive your deductible. Make sure you’re working with a reputable company that follows the law.
Step 4: Insurance Sends the Rest
If your insurance policy is Replacement Cost Value (RCV), they typically send the claim money in two parts:
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First Check (ACV): The actual cash value of your damaged roof (minus the deductible)
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Second Check (Depreciation): Once the work is complete, they release the remaining amount
So for that $15,000 roof with a $2,000 deductible, insurance might send $10,000 up front, and the last $3,000 after the roof is done.
Always Confirm With Your Carrier
Every insurance company has slightly different payment timelines, terminology, and paperwork. It’s always smart to double-check the details with your adjuster or claims representative before signing any contracts or starting work.
At US Prime Roofing, we walk you through every step and help coordinate payment timing to make it easy — no surprises, no guesswork.
Final Takeaway
Your deductible is your responsibility, and it’s paid directly to the contractor — usually as part of your overall payment for the job.
If a contractor says they’ll “take care of it” or “waive it,” be cautious — that’s a red flag and could get you in trouble with your insurance company.
Have questions about how the payment process works? Contact US Prime Roofing. We’ll explain your options clearly and help make sure everything is done by the book.