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Free Roofing Insurance Claim Calculator

Estimate your insurance payout and out-of-pocket cost based on your coverage type, deductible, roof age, and replacement cost.

Insurance Claim Calculator

Estimate your payout and out-of-pocket cost

Use a contractor estimate or our Roof Replacement Estimator.

Why Use This Tool?

Most homeowners don't know what their insurance will actually pay until the check arrives — and by then it's too late to change their coverage. This calculator shows you the real numbers: how much your policy type, roof age, and deductible affect your payout. Use it before filing to set expectations, or before renewing your policy to decide whether upgrading from ACV to RCV coverage is worth the premium difference.

About This Tool

The biggest surprise in a roofing insurance claim is not the damage assessment — it's the check amount. Homeowners with ACV (Actual Cash Value) policies often receive 40–60% less than the full replacement cost on older roofs. Understanding your coverage type before you file can prepare you for the financial reality and help you decide whether to upgrade your coverage. This calculator shows you estimated insurance payouts for both ACV and RCV policies, how depreciation affects your settlement, and what you'll actually pay out of pocket.

How It Works

1
Enter your replacement cost estimate

Start with a contractor estimate or use our Roof Replacement Estimator to get a baseline. This is the full cost to replace your roof at today's prices.

2
Select your coverage type

ACV pays the depreciated value — what your roof was worth, not what replacement costs. RCV pays the full replacement cost minus your deductible. Check your policy declarations page if unsure.

3
Enter your deductible

Your deductible comes directly out of the settlement. In many hail markets, carriers now use percentage deductibles (e.g., 2% of insured value) instead of flat deductibles. This can significantly affect your out-of-pocket cost.

4
Enter your roof age

For ACV policies, roof age drives depreciation. A 15-year-old roof may be depreciated 50–60%, meaning you receive less than half the replacement cost. For RCV policies, age still matters for the "holdback" — the withheld depreciation released after work is complete.

Cost Context

The gap between ACV and RCV payouts is often shocking. On a $15,000 roof replacement with a 15-year-old roof: an ACV policy might pay $5,000–7,000 after depreciation and deductible, while an RCV policy would pay $12,000–14,000. Homeowners in Texas now commonly face 2% wind/hail deductibles — on a $400,000 insured home that's an $8,000 deductible before coverage even starts. Understanding these mechanics before you file saves thousands in surprises.

Frequently Asked Questions

What is the difference between ACV and RCV coverage?
ACV (Actual Cash Value) pays the depreciated value of your roof — replacement cost minus depreciation based on age and condition. RCV (Replacement Cost Value) pays the full replacement cost minus your deductible. RCV policies cost more in premium but pay significantly more in claims — the difference on a 15-year-old roof can be $6,000–10,000.
What is recoverable depreciation?
On an RCV policy, carriers initially release the ACV portion of your claim (replacement cost minus depreciation). After your contractor completes the work, you submit proof and the carrier releases the withheld depreciation — called the "recoverable depreciation." You must actually complete the work to receive this second payment.
What is a percentage deductible?
Some carriers (especially in high-risk states like Texas and Florida) use a percentage-based deductible for wind and hail claims. A 2% deductible on a $350,000 insured value home means a $7,000 deductible on every wind/hail claim — much higher than a typical $1,000–$2,500 flat deductible. Check your declarations page carefully.
Can my contractor waive my deductible?
No — and it is illegal in most states for contractors to waive, absorb, or pay your insurance deductible. Deductible waiver is insurance fraud. Any contractor who offers to "eat your deductible" is exposing you to legal risk and is likely inflating their scope to compensate.
What is supplementing a claim?
Supplementing is the process of requesting additional payment from the carrier for scope items missed in the initial adjustment. Common supplements include code upgrades (drip edge, ice & water shield), interior damage from leaks, and material price escalation. Most experienced roofing contractors handle supplementing on behalf of homeowners as part of their process.
How is roof depreciation calculated?
Most carriers depreciate asphalt shingles over a 20–25 year useful life using a straight-line method. A 15-year-old shingle roof with a 20-year lifespan would be 75% depreciated — meaning you receive only 25% of replacement cost on an ACV policy before deductible. Some carriers use accelerated depreciation schedules. Always request the depreciation schedule from your adjuster as part of the claim.
What happens if my insurance payout is less than the contractor quote?
First, verify the contractor's scope matches the adjuster's scope — discrepancies are common. Your contractor can help supplement the claim for missing line items. If the adjuster's scope is accurate but prices are low, request a re-inspection with your contractor present. As a last resort, you can hire a public adjuster or invoke your policy's appraisal clause to resolve disputes.
How long does a roofing insurance claim take?
From first contact with your carrier to receiving the initial ACV check: typically 2–6 weeks. The full RCV amount (including recoverable depreciation) comes after work is complete and documented, adding another 2–4 weeks. Complex claims, denied scopes, or supplemental negotiations can extend the process to 3–6 months. Texas law (TDI) requires carriers to acknowledge claims within 15 days and make coverage decisions within 15 business days of receiving all documentation.
Can I keep the insurance money and not replace my roof?
For ACV claims: generally yes, you can keep the payout and not replace the roof, though this leaves your home vulnerable and may affect future coverage. For RCV claims: no. The holdback (withheld depreciation) is only released after you prove the work was completed. If you keep just the ACV amount and do not complete work, the carrier does not owe the additional RCV payment.

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