Why should I not get a 5-10% home insurance deductible?

Insurance rates have gotten crazy and home prices are higher. Home coverage is $400k. Current 3% deductible is 3.5k/yr. To replace my roof it would cost me $15k out of pocket. Deductible is $12k and if I file a claim my premiums will go up.

Why does it even make sense to carry a low deductible these days? It’s almost like home owner is for the rare disaster where your whole home is nearly destroyed.