How Do Homeowners Insurance Deductibles Work? 
The deductible is the amount you pay when you have a claim . What happens is the insurance company adjuster will estimate the damage -LRB- sometimes they ask you to get estimates from contractors -RRB- , and arrive at a total amount to do the repair . They subtract the deductible from the repair total and pay you what is left . Some companies have specific wind/hail deductibles or other coverage specific deductibles , so you should refer to your contract for what your deductible is . 