Roof Claim Calculator
ACV Roof Coverage · The Hidden Gap
Your roof loses coverage every year it ages.
With Actual Cash Value coverage, insurers subtract depreciation and your deductible from the payout. Slide the roof's age and pick a deductible to see who really pays.
$
Typical full replacement, materials + labor
15 years old
50% depreciated
New10 yrs20 yrs30 yrs
Deductible
Insurance pays
You pay (depreciation + deductible)
ACV of roof
$15,000
Insurance check
$12,500
Your out-of-pocket
$17,500
All four deductibles at this roof age
| Deductible | Insurance pays | You pay | % of cost on you |
|---|
Straight-line depreciation over a 30-year roof life. ACV = replacement cost × remaining life. Estimates for illustration — actual claims vary by policy and adjuster.