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Question DetailsAsked on 7/14/2015

My roof has storm damage. Can I pay my insurance deductible by purchasing the material to repair the roof myself?

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2 Answers


Here in Florida, the insurance companlies will not insure your home if you do the work yourself. Could be different in your area, I'd check with the insurance company first.


Answered 5 years ago by BayAreaAC


You need top check the insurance contract terms - I have heard of ones that do not cover owner-done work but have not seen one myself.

Now the catch-22: if the insurance company pays you in cash (rather than doing an assignment to the roofer, which insurance companies prefer but are dangerous for you) you are generally required to submit paid invoices that show you paid at least as much as the claim - so totalling at least what they paid PLUS any deductible, though there are companies that just do cash settlements based on their own estimates and don't care what you really paid.

IF they just paid you a lump sum settlement and don't want proof it was done professionally (if insurance contract requires that) then yhou have the check, how and where you spend the money is your business, though in general insurance contracts require that the work covered actually be done within a reasonable timeframe.

Otherwise you would have to talk to the adjuster - the essence is that you are supposed to pay (in materials, repair contract, etc) the amount of the deductible yourself, not be able to pocket it. Generally, they would not carer if you bought the materials plus paid a contractor to repair the roof, or if his bill was larger and included the materials - as long as the costa was at least equal to the insurance settlement plus the deductible.

Answered 5 years ago by LCD

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