Roof claim payout calculator

See how the insurance math on a roof claim actually works: what depreciation takes off the top, what your first check looks like after the deductible, and what comes back in the second check if you complete repairs.

Roof claim payout estimator

A ballpark of how your claim math works — not a quote. Carriers use detailed pricing software and adjust for your roof's actual condition.

Estimated replacement cost ($)

Your wind/hail deductible ($)

Percentage deductible? Multiply the percentage by your dwelling coverage limit (e.g. 1% of $350,000 = $3,500).

Roof age (years)

Roof material / expected lifespan

How your policy pays for the roof

Not sure? Check your declarations page for a "roof surfaces" schedule or ACV roof endorsement — many carriers now write older roofs as ACV-only.

Replacement cost (RCV): $16,000
Depreciation (36% of roof life used): −$5,714
Actual cash value (ACV): $10,286
Your deductible: −$2,000
First check (ACV payment): $8,286
Second check (recoverable depreciation): $5,714
Total insurance pays: $14,000
Your total out of pocket: $2,000

The second check is only released after you complete the replacement and submit the final invoice — and most policies put a deadline on it. How recoverable depreciation works.

How to read these numbers

Insurers value a roof loss two ways: replacement cost value (RCV) — what a comparable new roof costs today — and actual cash value (ACV) — RCV minus depreciation for the life your roof had already used up. On a standard RCV policy the carrier pays in two stages: an ACV check up front (minus your deductible), and the withheld depreciation after you complete the replacement and submit the final invoice. Our full explainer on ACV, RCV, and recoverable depreciation covers the deadlines and paperwork around that second check.

Real settlements differ from this estimate for legitimate reasons: carriers price with detailed line-item software rather than one lump sum, condition adjustments move the depreciation rate off the straight-line schedule, code-required upgrades can add covered cost via supplements, and policy endorsements — especially ACV-only roof schedules on older roofs — change the rules entirely. Treat the output as orientation for reading your own estimate, not as a prediction.

If your numbers came out near zero, that's useful information too — it usually means the damage doesn't clear your deductible and filing may not be worth the claim record.

Not sure where your claim stands?

Get matched with a vetted local roofer who documents damage the way adjusters expect to see it.

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Educational information only — not legal, insurance, or public adjusting advice. RoofClaim HQ is not affiliated with any insurance carrier. Every policy and claim is different; confirm specifics with your insurance professional, a licensed public adjuster, or an attorney before making decisions.