Deductible amount
$6,000
Converted from Coverage A.
LumioForge Free Roofing Tool
Roof Claim Out-of-Pocket Estimator
This roof claim out-of-pocket estimator helps homeowners and roofing teams compare deductible math under RCV and ACV scenarios. It keeps the calculation transparent without relying on insurer portals or external integrations.
RCV and ACV comparisonFlat or percent deductibleDepreciation supportCopy-ready scenario output
Claim scenario inputs
Enter the dwelling limit, deductible structure, roof replacement estimate, and depreciation to compare how much the insurer may pay and what stays out of pocket.
Policy basis
Coverage A
Replacement estimate
Deductible type
Deductible percent
Depreciation percentage
Out-of-pocket estimate
Use the RCV and ACV comparison to set homeowner expectations before a claim conversation goes sideways.
RCV out of pocket
$6,000
Estimated insurer payment: $12,000.
Deductible amount$6,000
RCV insurer pays$12,000
RCV out of pocket$6,000
ACV insurer pays$6,600
ACV out of pocket$11,400
This tool does not read policy documents or confirm coverage. It only applies the deductible and depreciation math you enter.
RCV out of pocket
$6,000
Replacement cost basis before depreciation is applied.
ACV out of pocket
$11,400
Actual cash value basis after depreciation is applied.
How to use this tool
- 1
Enter Coverage A, the roof replacement estimate, and the deductible structure from the policy summary or declarations page.
- 2
Set the policy basis to RCV or ACV and enter an estimated depreciation percentage if the roof is not being valued at full replacement cost.
- 3
Compare the RCV and ACV outputs to explain the likely deductible impact and out-of-pocket difference before the claim process moves forward.
How the math works
Deductible conversion
Flat deductibles stay as entered. Percentage deductibles are converted to dollars using Coverage A x deductible percent.
RCV basis math
On an RCV basis, the estimate is compared to Coverage A, then the deductible is subtracted. That leaves an estimated insurer payment before supplements or policy-specific adjustments.
ACV basis math
ACV first applies depreciation to the roof estimate, then subtracts the deductible. Lower covered value usually means a higher out-of-pocket result.
Why this is still a planning estimate
Roof claim settlements can move because of ordinance and law coverage, recoverable depreciation, code upgrades, supplements, and carrier-specific handling. This tool is best used for quick scenario framing.
FAQ
What does this roof claim out-of-pocket estimator show?
It estimates how deductible structure, policy basis, depreciation, and repair estimate can affect what the insurer pays and what the homeowner may still cover out of pocket.
What is the difference between RCV and ACV?
Replacement cost value (RCV) is based on the full replacement estimate before deductible. Actual cash value (ACV) subtracts depreciation first, which usually increases the out-of-pocket portion.
How are percentage deductibles handled?
Percentage deductibles are converted into a flat dollar number based on Coverage A. For example, a 2 percent deductible on a $300,000 dwelling limit equals $6,000.
Is this a coverage decision tool?
No. It is a planning tool for rough budgeting and homeowner communication. Actual claim settlement depends on policy language, endorsements, supplements, and carrier handling.
Related tools
The claim math is one conversation. The real job starts after the lead replies.
Once a homeowner engages, the team needs fast handoff, one visible inbox, and follow-up that does not depend on memory. LumioForge gives roofing teams that operating system.