ATASCOCITA, Texas—Hurricane Ike hit the Greater Houston area hard, but now some homeowners are getting slammed again – this time, by their insurance companies.

Many of those with damage from the storm are learning their deductibles have doubled.

Dorothy Hodge is in that boat.

A 100-year-old tree in her backyard was leveled during Ike, possibly cracking the foundation of her Atascocita home.

“We’ve never had damage like this before. It was a big shock,” Hodge said.

When Hodge checked out her insurance deductible, it was twice what she expected to pay.

Instead of $1,900, Hodge will have to come up with $3,800 for the repairs.

Turns out, her insurance policy with Allstate has a tropical cyclone deductible.

“It’s not fair. We pay all these premiums over the years, and when you really need it, they double it,” Hodge said.

The tropical cyclone deductible applies specifically to damage caused by a hurricane.  And it’s not just Allstate – this is happening industry wide.

Insurance officials said it’s a way for companies to manage their risk while controlling their cost.

In a statement, the Southwestern Insurance Info Service said “insurers base their rates on operating expenses” and must mitigate their “exposure potential for future predicted losses.”

Roofer Lewis Blackstone said that kind of deductible shocker hurts his business, too.

“The money we give them to set aside to insure that it’s there, when we have something like this happen and they aren’t going to insure it, then why have insurance,” Blackstone said.

Hodge wonders the same thing.

But for now she’s stuck in a home she’s lived in for 30 years, hoping she can afford to repair it.