When most people look at their insurance paperwork, they are often confused because they think the insurance company subtracted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the roofing contractor. The insurance company subtracts the homeowner's deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor.