Roof Insurance Claim Calculator

ACV (Actual Cash Value) pays you the depreciated value of your roof - what it was worth the day before the storm, not what it costs to replace it today. Depreciation is permanent; you never recover it on an ACV policy.

RCV (Replacement Cost Value) pays ACV first, then releases the withheld depreciation once you complete repairs and submit an invoice. You receive the full replacement cost minus your deductible - but only if you actually do the work.

On an older roof, the gap between ACV and RCV can be enormous. A 15-year-old architectural shingle roof may have 60% of its value depreciated away. On an ACV policy that is gone forever.

Almost certainly 2% of your dwelling limit (Coverage A on your declarations page) - not 2% of the claim amount. This is the most common and costly misunderstanding homeowners have about wind/hail deductibles.

If your home is insured for $400,000 and you have a 2% wind deductible, your deductible is $8,000 regardless of whether the roof damage is $10,000 or $50,000. This calculator applies the deductible correctly.

You can file, but the payout may be zero - and the claim still goes on your CLUE report for several years. That record affects your renewal, your rate, and your ability to switch carriers.

The break-even age shown by this calculator is the roof age at which your estimated payout first reaches zero under your current deductible. Roofs older than that threshold often produce zero-payout claims that still carry renewal risk.

CLUE (Comprehensive Loss Underwriting Exchange) is a database that insurers use to check your claims history. When you file a homeowner claim - even one that pays nothing - it appears in your CLUE report.

Carriers see this at renewal and at any new policy application. A zero-payout claim filed three years ago can still cost you a rate increase or a non-renewal notice today. This is why the verdict matters: filing is not free even when the check is.

Not necessarily. The adjuster's estimate is a starting point, not a final word. Adjusters can miss damage, use lower material prices than your local market, or apply depreciation differently than your policy requires.

Get an independent written estimate from a contractor before the adjuster visits - this becomes your negotiating baseline. If the gap is significant and a supplement request doesn't resolve it, a licensed public adjuster can work on your behalf for a percentage of the settlement.

On an RCV policy, depreciation is 'recoverable' - you get it back once repairs are completed. On an ACV policy, depreciation is 'non-recoverable' - it is deducted from your settlement permanently.

Some policies have hybrid terms: recoverable depreciation for structural components but non-recoverable for cosmetic damage. Read your declarations page carefully.

The math uses straight-line depreciation applied to the roof's age and material. The useful life figures are this calculator's own assumptions - your carrier's depreciation schedule may differ.

Your actual settlement depends on your specific policy language, your carrier's own depreciation schedule, the adjuster's assessed damage scope, and your local jurisdiction's regulations. This calculator gives a reliable starting estimate - not a guarantee.