Every year at renewal, your insurance company sends you home insurance renewal information. Sometimes this can be a lengthy read and may be confusing to decide what changes really matter to you. TELL YOUR FRIENDS to carefully review their deductible or in some cases deductibles. We have learned that some insurance companies are requiring certain deductible minimums for wind and hail claims, one of the more common claims in Indiana that typically affect your roof and siding. Some are even stating the deductible to be between 3-5% of your dwelling amount. So if you have a $200,000 dwelling amount, your 3% deductible for a roof claim would be $6000, likely the cost of a new roof. Know your coverage. Rely on your agent to answer questions.