Free Roofing Tool
Roof Insurance Claim Calculator
See your estimated insurance payout for roof damage — enter your replacement cost, roof age, material, and ACV or RCV policy type to understand exactly what you'll receive and what you'll pay out of pocket.
See Roofing Contractor SoftwareEstimate Your Roof Insurance Claim Payout
Enter your roof details and policy type to see estimated payout, depreciation withheld, and out-of-pocket costs.
Get a contractor estimate for accuracy.
Check your declarations page.
Replacement cost
$14,000
Depreciation (40%)
−$5,600
Age 10 of 25 yr life
Est. claim payout (RCV)
$13,000
Est. out-of-pocket
$1,000
RCV policy — you have strong coverage
Your RCV policy pays the full replacement cost (minus deductible). For this roof, the insurer pays $13,000 — typically in two payments: an initial ACV payment of $7,400 upfront, then the recoverable depreciation of $5,600 after the work is completed and receipts submitted.
Estimates only. Actual insurance payouts depend on your specific policy language, adjuster's damage assessment, applicable depreciation schedule, and code upgrade coverage. Always review your policy declarations page and consult a licensed public adjuster for disputes.
ACV vs. RCV: The most important thing on your policy
This single line in your policy declarations can mean a $5,000–$15,000 difference in what you receive after a storm.
ACV — Actual Cash Value
Pays the depreciated value of your damaged roof. Insurance subtracts age-based depreciation before writing the check. A 15-year-old asphalt shingle roof may be 60% depreciated — you only get 40 cents on the dollar.
- •Cheaper monthly premiums
- •Much lower payout on older roofs
- •Large out-of-pocket gap common
- •Some states restrict ACV policies for certain materials
RCV — Replacement Cost Value
Pays the full cost to replace your roof with new materials of like kind and quality, minus deductible. You get the depreciation back after the work is done and receipts are submitted.
- ✓Higher monthly premiums
- ✓Full replacement cost covered
- ✓Initial ACV payment + recoverable depreciation after completion
- ✓Some insurers restrict RCV for older roofs
What roofing contractors know that homeowners don't
Get your own inspection before filing
Insurance adjusters work for the insurance company. Before filing a claim, hire an experienced roofing contractor to inspect and document all damage — including items the adjuster might miss or classify differently. A contractor's detailed scope of work can significantly affect the final settlement amount.
The first offer is rarely the final offer
Insurance companies make initial offers based on their adjuster's assessment, which may miss code upgrade requirements, undercount damaged squares, or use outdated pricing. Experienced roofing contractors supplement claims routinely — it is normal, not adversarial. Always review the line items before accepting.
Code upgrade coverage matters enormously
If your roof was installed before current building codes, your insurance should cover the cost to bring the replacement up to current code — including ice and water shield requirements, updated sheathing standards, and ventilation requirements. This 'ordinance and law' coverage can add thousands to your claim.
Never pay a deductible to a contractor upfront
In most states, it is illegal for a roofing contractor to waive or absorb your insurance deductible. Any contractor who offers this is either committing insurance fraud or will make it up in inflated pricing elsewhere. You are legally required to pay your deductible — budget for it as part of your out-of-pocket cost.
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Roof Insurance Claim FAQ
Will insurance cover my full roof replacement?
Depends on your policy. RCV policies pay full replacement cost minus deductible. ACV policies subtract age-based depreciation first — a 15-year-old asphalt roof may be 60% depreciated, so you only get 40 cents on the dollar toward replacement.
What is ACV vs. RCV homeowners insurance?
ACV (Actual Cash Value) pays the depreciated value of your roof. RCV (Replacement Cost Value) pays full replacement cost minus deductible. RCV costs more in premiums but pays significantly more on claims for older roofs. Many insurers require roofs under 20 years old to qualify for RCV.
How do insurance companies calculate roof depreciation?
Depreciation = (roof age / expected lifespan) × replacement cost. Asphalt shingles depreciate over 20–25 years; a 15-year-old roof is 60–75% depreciated under ACV. Some insurers cap depreciation at 50% or 75%. Ask your adjuster for their exact schedule.
What damage types does homeowners insurance cover?
Standard policies cover: hail, wind storms, tree/debris impact, lightning, and fire. They don't cover: wear and tear, manufacturer defects, improper installation, maintenance neglect, or flooding (requires separate flood insurance).
Should I file an insurance claim for roof damage?
Calculate first: if your deductible is $2,000 and the payout estimate is $3,000, the $1,000 net benefit may not offset the 20–40% premium increase over the next 3–5 years. Get a contractor estimate first, then decide if the payout exceeds deductible + future premium increases.
How long does a roof insurance claim take?
Typically 2–6 weeks: file claim → adjuster inspection (1–2 wks) → settlement offer (1–2 wks) → negotiation → payment. RCV policies make an initial ACV payment upfront, then pay recoverable depreciation after work is complete and receipts are submitted.
Can a roofer help with my insurance claim?
Yes. Experienced contractors can identify missed damage, prepare detailed scopes, and negotiate supplements. Never pay a contractor who demands your full deductible upfront — it may be insurance fraud in many states.
What is a roof insurance claim supplement?
A supplement is an additional claim for costs missed in the initial settlement — code upgrades, additional sheathing, ice/water shield, steep pitch labor, or materials price increases. Experienced contractors submit supplements routinely on insurance restoration jobs.
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Book a Free DemoThis calculator provides estimates for planning purposes only. Actual insurance payouts depend on your specific policy, adjuster's assessment, and applicable depreciation schedule. Review your policy declarations and consult a licensed insurance professional for guidance.