Inputs
- ZIP & roof area/unit
- Pitch, complexity, material
- Coverage A & deductible (flat or %)
- Depreciation % & RCV estimate
- Policy basis (RCV/ACV)
Roof Claim Out-of-Pocket Estimator
Transparent deductible math with ACV vs RCV, plus authoritative link-outs.
Instant Results Professional Grade Free to Use
What does this tool do?
Enter your ZIP and roof details along with policy information to estimate your out‑of‑pocket costs. Save scenarios to compare flat versus percentage deductibles.
Area & Unit
2000 sqft
Pitch/Complexity/Material
med, simple, asphalt
ZIP
—
Coverage A & Deductible
300,000, 2%
Dep % & RCV
35%, 15,000
Basis
RCV
Area & Unit
2000 sqft
Pitch/Complexity/Material
med, simple, asphalt
ZIP
—
Coverage A & Deductible
300,000, 2%
Dep % & RCV
35%, 15,000
Basis
RCV
Area & Unit
2000 sqft
Pitch/Complexity/Material
med, simple, asphalt
ZIP
—
Coverage A & Deductible
300,000, 2%
Dep % & RCV
35%, 15,000
Basis
RCV
What does this tool do?
Enter ZIP and roof details with policy info to estimate out-of-pocket costs. Save scenarios to compare flat vs percent deductibles or RCV vs ACV basis.
Outputs
- Out-of-Pocket on RCV & ACV
- Insurer pays vs deductible
- Coverage cap effects
- Copyable summary for estimates
Scenarios
- Save multiple deductible mixes
- Inline rename & quick remove
- Summary includes scenarios
- Side-by-side OOP compare
Why this helps
Instant math
Clear ACV vs RCV and deductible %.
Transparent
See the line-by-line numbers.
No wall
Free to use, no login.
Don’t know your roof dimensions?
Use these tools to measure and estimate your roofing project.
Roof Material Calculator
Open Material Calculator →Roofing Calculator Builder
Open Builder →Roof Measurement Master Toolkit
Measure with the Toolkit →Inputs
Educational estimates only; not legal/insurance advice.
Outputs Out-of-Pocket
2.0%
Out-of-Pocket
6,000
RCV basis
Out-of-Pocket
11,250
ACV basis
Above your deductible: Yes
Why
Deductible6,000
RCV15,000
ACV9,750
Initial payout (ACV−Deductible)3,750
Percentage deductibles are calculated from Coverage A. Wind/hail deductibles are commonly 1–5%.
Scenarios
ScenarioDeductibleOOP (RCV)OOP (ACV)
Current2%$6,000$11,250
FAQ
What’s the difference between ACV and RCV?
ACV subtracts depreciation from replacement cost; RCV may reimburse full replacement after completion. Deductible applies in both.
How are % deductibles calculated?
Percent deductibles apply to Coverage A (dwelling limit), not the claim amount.
Should I file a claim?
If your estimate exceeds your deductible and is for a sudden/accidental peril, you may consider filing. Consult your insurer or agent.
When should I use flat vs % deductible?
Flat deductibles are fixed dollar amounts, while percent deductibles scale with Coverage A. Choose a percent deductible when your dwelling limit is high and a flat deductible for lower coverage amounts.
How do I measure my roof area if I don’t know dimensions?
Use our Roof Measurement Master Toolkit to trace your roof and calculate its area.
How do I convert roof area into bundles/rolls?
Try the Roof Material Calculator to convert area into bundles or rolls with waste included.
Can I estimate project cost from here?
Yes — the Roofing Calculator Builder lets you set labor, overhead, tax and region multipliers to generate a full estimate.
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Need official guidance?
Find your state Department of Insurance to confirm details.
Find Your State DOI