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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.

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.

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.

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