Roof Claim Depreciation Recovery Calculator

See how much depreciation your insurer will release once the roof is completed. Enter the carrier-approved replacement cost, the initial actual cash value check, your deductible, and any approved supplements to understand the final payment, total claim payout, and homeowner cash contribution required to finish the job.

Carrier-approved replacement cost estimate for the roof, excluding supplements.
Net cash value check issued up front after subtracting depreciation and your deductible.
Out-of-pocket amount you are responsible for before the insurer releases final funds.
Optional — defaults to $0. Include additional amounts the carrier approved for code upgrades or revised scopes.

Insurance claim calculations vary by carrier and policy form. Confirm depreciation schedules and supplement rules with your adjuster before relying on these numbers.

Examples

  • Example 1 — RCV $24,000; ACV check $14,000; deductible $2,500; no supplements ⇒ Recoverable depreciation: $10,000.00 | Final insurer payment after completion: $7,500.00 | Total claim payout (including initial check): $21,500.00 | Homeowner out-of-pocket responsibility: $2,500.00
  • Example 2 — RCV $28,500; ACV check $16,200; deductible $3,000; supplements $2,500 ⇒ Recoverable depreciation: $14,800.00 | Final insurer payment after completion: $11,800.00 | Total claim payout (including initial check): $28,000.00 | Homeowner out-of-pocket responsibility: $3,000.00

FAQ

How do I include code upgrade coverage?

If your carrier approves ordinance or law upgrades, add those amounts to the supplements input so the recoverable depreciation and final payment reflect the higher scope.

What if my contractor discount changes the invoice?

Update the replacement cost value with the final signed contract amount. The calculator will show the revised holdback and any impact on your out-of-pocket costs.

Can I model partial depreciation releases?

Yes. Enter only the portion of the scope that is complete along with the partial ACV payment to see how much depreciation is still pending.

Do supplements affect my deductible?

No. Deductibles generally remain the same even when supplements are approved. The tool keeps the deductible separate so you can confirm the insurer's share versus your responsibility.

Additional Information

  • Recoverable depreciation equals the adjusted replacement cost minus the initial ACV payment, reflecting the holdback released after completion.
  • Total claim payout subtracts the deductible from the adjusted replacement cost to show the insurer's total responsibility across all checks.
  • Final payment reflects the insurer holdback released after proof of completion, excluding the deductible you must still cover.
  • Supplements increase the replacement cost before all calculations to capture approved scope increases or code upgrades.
  • Homeowner out-of-pocket responsibility typically mirrors the deductible unless you authorize additional upgrades outside the carrier-approved scope.

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