How is a percentage wind/hail deductible calculated?

As a percentage of Coverage A, your dwelling coverage, not of the repair bill. A 2% deductible on a home insured for $350,000 is $7,000, whatever the roof costs to fix.

What is the difference between ACV and RCV on a roof claim?

RCV (replacement cost value) pays what the roof costs to replace, minus your deductible, usually releasing the depreciation after the work is done. ACV (actual cash value) subtracts depreciation for the roof’s age and never gives it back, so a 15-year-old shingle roof on an ACV policy can be worth half its replacement cost before the deductible comes off.

When is a hail claim not worth filing?

When the repair estimate is close to or below the deductible, filing nets you little or nothing and still enters your claims history. A common rule of thumb is that the repair cost should comfortably exceed the deductible, roughly twice over, before a claim is clearly worth it. That is arithmetic, not advice; the decision is yours and your insurer’s.

Can a roofer pay or waive my deductible in Texas?

No. Since 2019, Texas Insurance Code chapter 707 makes it illegal for a contractor to waive, absorb, rebate or offset an insurance deductible, and advertising an offer to do so is a criminal offence. A roofer who offers it is telling you how they treat paperwork generally.

When is hail season in San Antonio?

The heart of it is March through June. The April 12, 2016 San Antonio hailstorm remains the costliest hail event in Texas history, and the metro sits squarely in the state’s hail belt.

Hail claimcalculator

Before you call your insurer, run the three numbers that decide everything: the deductible in dollars, what depreciation does on an ACV policy, and whether filing nets you anything. Arithmetic, not advice.

Aerial view of a San Antonio residential neighborhood, rows of shingle roofs at varied pitches. — A shingle-roof neighborhood from above

Hail claim calculator

The working

Deductible: not set
Depreciation: not set
Insurer pays (est.): not set
Your share: not set

Filing nets you (est.)not set

Straight-line depreciation over the material's service life; RCV policies typically release withheld depreciation after the work is done. Every policy differs. This is arithmetic, not insurance advice; the numbers that govern are on your declarations page.

The three numbers, in plain terms

Every roof claim conversation in Texas comes down to the deductible, the depreciation and the net. Knowing them before the first phone call changes who is explaining what to whom.

The deductible is a percentage of the house, not the roof

Texas wind/hail deductibles usually run 1% to 2% of Coverage A. On a $350,000 dwelling limit, 2% is $7,000 before the insurer pays a dollar, and it comes off the claim whether the roof estimate is $9,000 or $30,000. That single multiplication answers most “should I even file?” questions.

ACV is where older roofs lose

An ACV policy subtracts the roof's used-up life first. A 15-year-old architectural shingle roof, on a 30-year service life, has given up half its value before the deductible comes off; if the replacement estimate is $18,000, the ACV arithmetic starts at $9,000. An RCV policy starts at the full estimate and typically releases the withheld depreciation once the work is invoiced.

What no roofer can do with any of this

Since 2019, Texas Insurance Code chapter 707 makes it a criminal offence for a contractor to waive, absorb or offset a deductible, or to advertise that they will, and negotiating the claim itself is work for a public adjuster, who holds a TDI licence for it, or your own agent. A roofer's legitimate role is an inspection, a written scope, and doing the work; this site's directory lists companies with their own contact details for exactly that. The full statute text and what it means for an estimate is on our chapter 707 guide.

San Antonio context

The metro sits in the Texas hail belt, with the season concentrated March through June. The April 12, 2016 storm remains the costliest hail event in Texas history, which is why percentage deductibles are now the norm here and why the arithmetic above is worth running before every spring.

Bexar County logged 6 hail days in 2025, the last full year in the record, with stones up to 3 inches. The largest stone in the metro record remains 6.42 inches, at Hondo on April 28, 2021; full year-by-year breakdown at San Antonio hail history.

Questions we actually get

How is a percentage wind/hail deductible calculated?: As a percentage of Coverage A, your dwelling coverage, not of the repair bill. A 2% deductible on a home insured for $350,000 is $7,000, whatever the roof costs to fix.
What is the difference between ACV and RCV on a roof claim?: RCV (replacement cost value) pays what the roof costs to replace, minus your deductible, usually releasing the depreciation after the work is done. ACV (actual cash value) subtracts depreciation for the roof’s age and never gives it back, so a 15-year-old shingle roof on an ACV policy can be worth half its replacement cost before the deductible comes off.
When is a hail claim not worth filing?: When the repair estimate is close to or below the deductible, filing nets you little or nothing and still enters your claims history. A common rule of thumb is that the repair cost should comfortably exceed the deductible, roughly twice over, before a claim is clearly worth it. That is arithmetic, not advice; the decision is yours and your insurer’s.
Can a roofer pay or waive my deductible in Texas?: No. Since 2019, Texas Insurance Code chapter 707 makes it illegal for a contractor to waive, absorb, rebate or offset an insurance deductible, and advertising an offer to do so is a criminal offence. A roofer who offers it is telling you how they treat paperwork generally.
When is hail season in San Antonio?: The heart of it is March through June. The April 12, 2016 San Antonio hailstorm remains the costliest hail event in Texas history, and the metro sits squarely in the state’s hail belt.

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