Emergency Roof Replacement Cash-Flow Planner

Calculate the homeowner cash responsibility after insurance, deductibles, and savings for an emergency roof replacement. If a gap remains, the tool also projects the amortized payment, APR impact, and total interest on a short-term loan.

Full contractor quote including materials, labor, permits, and contingencies.
Carrier payment expected before deductibles and recoverable depreciation.
Policy deductible you must pay from pocket before insurance funds release.
Liquid cash on hand designated for home emergencies.
Defaults to 9.50% APR for short-term home repair loans if left blank.
Defaults to a 12-month payoff schedule when not provided.

Coordinate financing decisions with your insurer and contractor before authorizing work.

Examples

  • Cost $18,400, payout $12,000, deductible $1,500, savings $4,200, 9.50% APR, 12 months → homeowner cash need $4,900.00, immediate gap $700.00, monthly payment $61.38, total interest $36.57.
  • Cost $24,500, payout $19,000, deductible $2,000, savings $5,800, defaults for APR/term → homeowner cash need $7,500.00, immediate gap $0.00 (savings cover the gap), financing outputs suppressed.

FAQ

What if my savings exceed the gap?

The calculator will show a zero gap and note that your emergency fund covers the project, eliminating the need for financing.

How are insurance holdbacks handled?

Enter the initial payout and rerun the calculator once recoverable depreciation is released to see how the gap shifts.

Can I include contractor deposits?

Yes. Add deposits or upgrade allowances to the replacement cost so the cash gap reflects the full amount due.

What if the insurer only pays actual cash value?

Use the payout estimate that will actually be disbursed. If recoverable depreciation is contingent on proof of completion, run the calculator twice—once before work and once after to see the reimbursement effect.

Additional Information

  • Insurance payout should reflect the insurer's initial estimate before recoverable depreciation or supplements are issued.
  • Deductible input is treated as cash you must provide; add it to savings only if the deductible is already set aside.
  • Loan payment uses a standard amortizing formula; set APR to 0.00 to simulate interest-free contractor financing or promotional credit offers.
  • Total interest output helps compare personal loans, HELOCs, or credit card promotions on the same cash gap, and disappears automatically when your savings close the shortfall.

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