What Missouri Homeowners Should Know About High Deductibles in 2026

Over the past several years, many Missouri homeowners have seen their insurance deductibles increase — especially for wind and hail claims. As severe weather events become more frequent and repair costs continue to rise, insurance carriers are adjusting policy structures to manage risk.

If your home experiences storm damage in 2026, understanding your deductible before filing a claim is essential.

What Is a Roof Insurance Deductible?

A roof insurance deductible is the amount a homeowner must pay out of pocket before their insurance coverage applies to storm-related repairs or replacement. In Missouri, many wind and hail deductibles are now percentage-based rather than flat-dollar amounts.

This means your deductible may be tied to your home’s insured value.

For example:

• A home insured for $300,000 with a 1% deductible = $3,000 out of pocket
• The same home with a 2% deductible = $6,000 out of pocket
• A 3% deductible = $9,000 out of pocket

This shift has significantly changed how homeowners must financially prepare for storm damage.

Why Are Wind and Hail Deductibles Higher?

Missouri, including communities throughout Springfield and the Ozarks, regularly experiences severe storms, hail events, and high winds. Because storm-related claims are common and often costly, many insurers use percentage-based deductibles to manage exposure.

At policy renewal, some homeowners may see changes to:

• Wind and hail deductible structure
• Coverage type (Actual Cash Value vs. Replacement Cost)
• Insured home value

Reviewing your policy annually is an important step in avoiding surprises after a storm.

Missouri Law and Deductible Responsibility

In Missouri, homeowners are legally responsible for paying their deductible according to the terms of their insurance contract. Contractors cannot waive, absorb, rebate, or disguise deductible payments as part of a roofing agreement.

Offers to “cover your deductible” can create serious legal and insurance complications. Reputable contractors operate transparently and in compliance with state regulations.

If you have questions about your coverage, your licensed insurance agent can clarify your policy details.

Why High Deductibles Matter During Storm Season

Missouri’s spring and summer storm season often brings hail and wind damage that leads to roof inspections and insurance claims.

When deductibles are higher than expected, homeowners may delay repairs due to out-of-pocket costs. Delays can increase the risk of:

• Interior water damage
• Mold growth
• Structural deterioration
• Complications with supplemental insurance claims

Understanding your deductible before storm season allows you to plan responsibly and act quickly if damage occurs.

Financing Options for Managing High Deductibles

Because deductibles have increased in recent years, many homeowners explore financing options to manage costs responsibly.

Financing does not replace your deductible obligation. Instead, it provides a structured way to spread out payments over time while remaining fully compliant with Missouri insurance requirements.

When structured appropriately, financing can help homeowners:

• Complete necessary roof replacements without delay
• Protect their property before further damage develops
• Manage monthly payments in a predictable way

This approach ensures the deductible is paid properly while reducing financial strain after a storm.

Frequently Asked Questions About Roof Deductibles in Missouri

Can a contractor legally waive my deductible in Missouri?
No. Homeowners are responsible for paying their deductible under the terms of their insurance policy. Waiving or absorbing deductibles may violate insurance regulations.

Why are wind and hail deductibles percentage-based?
Because storm damage claims are frequent and often expensive in Missouri, insurers use percentage-based deductibles to better manage risk exposure.

Is financing my deductible legal?
Yes. Financing is legal as long as the homeowner remains responsible for paying the deductible and all insurance documentation is accurate.

Should I review my deductible before storm season?
Yes. Reviewing your policy before severe weather occurs helps you prepare financially and avoid delays if damage happens.

Schedule Inspection

Contact Advanced Restorations today to schedule an inspection and ask about financing options that fit your needs.

This article is provided for general informational purposes only and is not legal or insurance advice. Homeowners should consult their licensed insurance agent or policy documents for specific coverage details and deductible requirements.