For over 17 years, Gut-R-Dun Roofing has worked directly with property owners and insurance carriers to restore homes after storm damage. Over that time, one thing has become clear: Insurance coverage for roofs and exterior damage has changed dramatically—and many homeowners don’t realize it until it’s too late.
What Changed in Ohio in 2013?
In 2013, major shifts in insurance policy structures began affecting homeowners across Ohio:
1. Separate Wind and Hail Deductibles: Insurance carriers began introducing separate deductibles specifically for wind and hail claims—different from your standard deductible.
• These are often percentage-based (1%, 2%, 3%, or even 5%)
• Based on your home’s insured value, not the cost of repairs; for example a $300,000 home with a 2% deductible = $6,000 out-of-pocket
2. ACV Policies (Actual Cash Value): For the first time, carriers widely introduced ACV policies or non-recoverable depreciation for roofing.
• Instead of paying full replacement cost
• Insurance pays depreciated value only
• Homeowners must cover the difference
In real terms: A 15-year-old roof may only be valued at 40–60% of replacement cost.
3. Mandatory Percentage Deductibles: More recently, large carriers such as State Farm have begun requiring wind & hail deductibles on most policies. This means:
• You may not have the option for a flat deductible anymore
• Your exposure to storm damage costs has increased significantly
The Reality: Higher Costs for Homeowners
At Gut-R-Dun Roofing, we’ve seen firsthand that average wind/hail deductibles commonly land around $3,000 – $7,500+ in Ohio and many homeowners don’t realize this until filing a claim. Policies are often renewed with changes that go unnoticed.
Bottom line: The financial responsibility has shifted more toward the homeowner.
What Should Property Owners Do?
1. Know the Policy You’re Signing: Before renewing or switching insurance, ask specifically “what is my wind & hail deductible and is it flat or percentage-based?” Understand how it applies to your home’s insured value and understand your deductible. Do the math ahead of time based on the value set by the insurance carrier (5% on $300,000 = $15,000). If a storm hits tomorrow—can you cover that cost?
2. Invest in Proven Exterior Systems: Choosing the right materials can protect your home and reduce risk. These materials are engineered for impact resistance, wind durability, and long-term performance: fiber cement siding like James Hardie, stone-coated metal roofing systems, composite and synthetic roofing products, and high-wind rated installation methods.
3. Work With Local, Reputable Contractors: Storm restoration is not the place to gamble. Local expertise matters—especially when navigating Ohio’s evolving insurance landscape. Choose contractors who understand insurance claim processes, follow manufacturer installation specs, and have a local reputation you can verify.
Protect Yourself Before the Storm
Insurance is no longer what it used to be. Deductibles are higher, coverage is more limited and the responsibility is shifting to homeowners
At Gut-R-Dun Roofing, we believe informed homeowners make better decisions—and avoid costly surprises. There are simple rules to remember. Know your policy. Know your deductible. Build your home to withstand the next storm—not just repair the last one.
Contact Gut-R-Dun Roofing at 937-739-ROOF (7663) for a free storm damage inspection today.
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