Deductible and limit
Percentage deductible = Coverage A × percentage. The payout base is limited to Coverage A before the deductible is subtracted.
Free roofing tool
Roof Claim Out-of-Pocket Estimator
Compare source-supported RCV and ACV deductible scenarios without reading policy documents or implying a coverage decision.
Inputs
Enter the claim scenario
Use the dwelling limit, roof estimate, deductible structure and depreciation shown in your own documents.
Transparent scenario math
RCV and ACV
RCV uses the full estimate. ACV first applies estimate × (1 − depreciation percentage ÷ 100).
This is informational planning math, not insurance or legal advice. It does not confirm coverage, recoverable depreciation, code upgrades or supplements.
Claim estimator FAQ
What does this estimator show?
It applies the source deductible, coverage-limit and depreciation math to compare RCV and ACV scenarios.
How are percentage deductibles handled?
The source converts them to dollars using Coverage A × deductible percent.
Is this a coverage decision tool?
No. It does not read a policy or confirm coverage. Actual settlement depends on policy language, endorsements, supplements and carrier handling.