What is my deductible and do I have to pay it?

Your insurance deductible is the amount you’re responsible for paying out of pocket before your insurance coverage kicks in. For most Iowa homeowners, roof claim deductibles typically range from $500 to $2,500, though some policies now use percentage-based deductibles (1-2% of your home’s insured value) for wind and hail claims specifically.

To find your exact deductible, check your homeowners insurance policy declarations page or call your insurance agent. It’s important to know this number before filing a claim so there are no surprises.

Yes, you are legally required to pay your deductible. This is non-negotiable and is a key point every homeowner should understand. If any roofing contractor offers to “cover your deductible,” “waive your deductible,” or “work it into the price,” walk away immediately. This practice is insurance fraud under Iowa law and can result in:

• Denial of your insurance claim
• Cancellation of your insurance policy
• Legal liability for you as the homeowner
• Substandard work (the contractor is cutting corners to absorb the deductible cost)

At Bunting Construction, we operate with complete integrity. We’ll help you maximize your legitimate insurance coverage, ensure the adjuster’s assessment is thorough and fair, and submit supplements if necessary — but we will never ask you to participate in deductible fraud. Your deductible is your responsibility, and a quality contractor will tell you that honestly.

If you have questions about how your insurance claim and deductible work, call Bunting Construction at (319) 330-9691. We’re happy to explain the process and help you understand your financial responsibility.