How do homeowners insurance deductibles work?

Question

My fence got knocked down in a bad storm we had and the wind tore my screens out of my back pourch along with the frame and we have a 500 deductible. I was wondering do they take that 500 out of the amount of damage or do we have to pay it up front?

Answer 1

Generally, you get an estimate for damage.  You pay the $500 and they pay the rest if covered under your policy.  Generally, the higher your deductibles, the lower your premiums.

Answer 2

usually they just give you whatever it would cost to fix it minus the $500.

i work at an insurance company, and ive never heard someone actually having to pull out the $500.

Answer 3

they just deduct the 500 from what they pay you.

Answer 4

You get a check for the damage repair, less $500.