What You Need to Know About Home Insurance Deductibles in Oklahoma City

When Robert’s roof in Moore was damaged by hail, he expected his home insurance to handle the repairs. But when the adjuster explained his deductible, he realized the payout would be thousands less than he thought.

​That storm taught him a lesson many Oklahoma homeowners learn too late: understanding your deductible is just as important as knowing your coverage.

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What Is a Home Insurance Deductible?

A deductible is the amount you pay out-of-pocket before your insurance steps in. For example, if your deductible is $2,500 and you have $10,000 in roof damage, your insurer covers $7,500.
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Deductibles are designed to share risk and prevent small claims. But in Oklahoma, where storms are frequent, the type of deductible you have can make a big difference.

Flat vs. Percentage Deductibles

There are two main types of deductibles:

• Flat Deductible: A set dollar amount, such as $1,000 or $2,500.
  
• Percentage Deductible: Calculated as a percentage of your home’s insured value. For example, if your home is insured for $250,000 and your deductible is 2%, you’d pay $5,000 before insurance pays the rest.
  

In Oklahoma City, many homeowners policies use wind and hail percentage deductibles, reflecting the region’s storm risk.

How Deductibles Affect Claims

High deductibles mean lower premiums, but they also mean higher costs when you file a claim. For families in Oklahoma City, this trade-off matters when:

• Hail damages a roof
  
• Tornado winds tear siding or shingles
  
• Storm debris damages a detached structure
  

If your deductible is too high, you might find yourself paying most of the repair bill on your own.

Choosing the Right Deductible

When selecting a deductible, balance affordability and protection:

• Choose a deductible low enough that you can pay it in an emergency.
  
• Consider higher deductibles only if you have strong savings.
  
• Ask about separate wind/hail deductibles and how they apply.
  
• Review your policy annually — especially as construction costs rise.
  

Why Local Guidance Matters

In Oklahoma City, Edmond, and Norman, storms aren’t a matter of “if” but “when.” That makes deductible selection critical. Local agents understand how carriers structure deductibles here and can guide you to coverage that won’t surprise you after a storm.
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At Oklahoma Insurance Professionals, we help homeowners understand their policies inside and out. We’ll review your deductibles, explain options, and find a balance that protects both your home and your budget.

Contact us today for a deductible review and make sure your policy is ready for Oklahoma’s storm season.

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​