If you’re replacing your roof as part of a covered homeowners insurance claim, you will almost certainly have to pay your deductible. The total amount you owe for your deductible is typically determined by what caused the damage and the deductible amount you chose when you purchased your homeowners insurance policy. If the damage is caused by a hurricane windstorm, your claim may be subject to your hurricane windstorm deductible, rather than your standard policy deductible.