Roofing Insurance Claim Estimator
Calculate your exact ACV, Initial Check, and Recoverable Depreciation payouts for storm damage roof replacements.
Insurance payouts are confusing on purpose. ACV vs RCV determines whether you owe $1,000 or $10,000 out of pocket.
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Navigating the Insurance Claim Maze
When your roof sustains hail or wind damage, your insurance adjuster writes a complicated estimate that splits your money into an “Initial Check” and a “Depreciation Holdback.” Understanding these numbers is critical before signing any contracts.
How to use this calculator
- Enter the total agreed-upon RCV (Replacement Cost Value) from your adjuster’s paperwork.
- Input your policy’s deductible (e.g., $1,000, $2,500, or 1% of home value).
- Find the Depreciation percentage on the paperwork (often tied to the roof’s age).
- Select your policy type. Beware: ACV policies drastically increase your out-of-pocket costs!
Why you need an RCV Policy
An ACV (Actual Cash Value) policy means your insurance company actively profits off the age of your roof. If your roof is 15 years old and costs $20,000 to replace, an ACV policy might subtract $10,000 in depreciation. They will hand you $10,000 (minus your deductible), and force you to pay the required retail difference out of pocket.
Frequently Asked Questions
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