Where to find your figures
Use the covered roof cost and depreciation from the adjuster's estimate. Check the roof settlement endorsement for the applicable deductible, any payment schedule, and the repair deadline.
Home insurance U.S. insurance
What could a covered roof claim pay?
Compare actual cash value and replacement cost using the same roof estimate, depreciation, and deductible. See how the payment could be split when depreciation is recoverable.
Roof Claim Payout Calculator
Enter figures from your policy, quote, or benefits summary.
Worked example
See what the numbers mean
In the Texas Department of Insurance example, $10,000 in replacement cost, $3,000 in depreciation, and a $4,000 deductible yield $3,000 at actual cash value and $6,000 at replacement cost.
Roof Claim Payout Calculator · roofpayout.com
The replacement cost scenario assumes the entered cost is eligible and the modeled depreciation is fully recoverable after qualifying repairs. Roof schedules, sublimits, and partial eligibility can change payments.
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Behind the estimate
Method & sources
How the math works
Actual cash value equals the covered replacement cost minus depreciation. Subtract the deductible from actual cash value and from replacement cost, flooring each result at zero. The modeled supplement is the difference between the two payouts.
Worked example
In the Texas Department of Insurance example, $10,000 in replacement cost, $3,000 in depreciation, and a $4,000 deductible yield $3,000 at actual cash value and $6,000 at replacement cost.
What this estimate covers
The replacement cost scenario assumes the entered cost is eligible and the modeled depreciation is fully recoverable after qualifying repairs. Roof schedules, sublimits, and partial eligibility can change payments.
Source notes
Consumer guidance reviewed .
- Texas Department of Insurance · Roof replacement cost and actual cash value
Published worked examples for depreciation and a percentage deductible on a covered roof claim.
- Texas Department of Insurance · Home insurance guide
How an initial payment and a later recoverable depreciation payment can work.
Before you decide
Common questions
Why could the first roof check be smaller than the total estimate?
The first check can reflect actual cash value after depreciation and the deductible. Under eligible replacement cost coverage, the insurer may release recoverable depreciation after the required repairs and documentation.
Does every policy pay the depreciation later?
Check the roof settlement endorsement for actual cash value, replacement cost, or a roof payment schedule. Ask the adjuster which depreciation is recoverable and what repair deadlines or documentation requirements apply.
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