Home calculator

See the roof deductible, ACV, and RCV cash-flow reality before you assume the claim check.

Enter a roof estimate, roof age, settlement basis, and deductible. PureCover shows the effective deductible, estimated ACV-style first payment, possible recoverable depreciation, and documents to gather.

About 2 minutes No contact info before results Works with unknowns Not a claim estimate

This is a policy-structure review helper. Policy forms, endorsements, deductibles, exclusions, damage facts, inspections, and repair documentation control.

Calculate first

Start with the roof estimate, declarations page, or renewal notice in front of you.

Exact policy wording is best, but rough entries still help. The result shows what the entered numbers could mean and which documents should be verified.

1

Your situation

Choose the closest reason you are using this calculator.

Your situation

Shopping or renewal review See what ACV, RCV, schedule, or deductible wording could mean. Claim estimate in hand Translate first payment, deductible, depreciation, and documents. Deciding whether to file Understand the cash-flow reality before making a claim decision. Buying or just bought Build a roof-age proof and policy-structure checklist. Roof-age or nonrenewal notice Focus on proof, renewal changes, and documents. Contractor suggested a claim Separate claim pressure from policy math and document review.

State ZIP code

2

Roof and replacement estimate

Use the estimate or a rough roof size if that is all you have.

Roof material Roof age Use years since full replacement if known. Useful life override Optional. Leave blank to use a material-based default. Roof condition

Replacement cost estimate

I know the roof estimate Use a contractor or adjuster estimate. I know roof size Use squares and rough cost per square.

Roof replacement estimate Roof squares One square is 100 square feet. Cost per square

3

Policy structure and deductible

Not sure is okay. Unknown answers become document-review flags.

Roof settlement shown

Replacement cost / RCV May still start with ACV-style first payment. Actual cash value / ACV Depreciation may be part of the cash exposure. Roof schedule / scheduled payment A chart or percentage may control the roof. Not sure Use the document checklist to find the controlling wording.

Schedule percent, if shown Example: 52 means schedule pays 52% before deductible. Cosmetic / marring exclusion Matching or discontinued shingles concern Loss cause or review context

Deductible type

Flat dollar amount Percentage of Coverage A / dwelling Not sure

Flat deductible Coverage A / dwelling limit Needed for percentage deductibles. Deductible percent Deductible label

What this calculator is for.

It estimates roof cash-flow exposure from the numbers you enter: replacement estimate, depreciation, deductible, roof schedule, and possible recoverable depreciation timing.

What it does not decide.

It does not decide whether damage is covered, whether to file a claim, whether matching is owed, whether a contractor is right, or what a carrier must pay.

PureCover answers

Common roof ACV, RCV, deductible, and depreciation questions.

These answers explain the same review logic the calculator applies. The policy, endorsements, deductible page, damage facts, and repair documentation still control.

What is the difference between ACV and RCV roof coverage?

ACV estimates current value by subtracting depreciation from replacement cost. RCV is a replacement-cost path, but many claims still start with an ACV-style first payment before possible recoverable depreciation after repairs and documentation.

Why this matters: the calculator separates estimated first payment, possible recoverable depreciation, and cash needed before that later payment.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

Why can my first roof check be much smaller than the estimate?

The first payment may reflect depreciation and the deductible. If the policy provides RCV, the depreciated amount may be recoverable later if the policy allows it and repairs are completed and documented.

Why this matters: Idaho DOI explains that replacement-cost claims commonly pay ACV up front, then depreciation after repairs or replacement.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

Is a 1%, 2%, or 5% roof deductible a percent of the roof cost?

Often it is a percentage of Coverage A or the dwelling limit, not a percentage of the roof estimate. The calculator converts the percentage into dollars before showing the result.

Why this matters: Reddit roof threads repeatedly show people confusing percent-of-house with percent-of-roof.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

What is a roof schedule or scheduled payment endorsement?

A roof schedule can set a roof payment percentage or chart based on roof age, material, or loss type. It may matter even when other dwelling language says replacement cost.

Why this matters: the calculator treats roof schedule as its own branch and asks for the schedule percent if visible.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

Does cosmetic damage or marring mean the roof is covered?

Not automatically. Cosmetic or marring wording, functionality clauses, matching language, cause of loss, and inspection facts can all matter. This calculator flags those as document-review issues rather than deciding coverage.

Why this matters: cosmetic damage and matching disputes are common roof-confusion points, especially after hail.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

Should this calculator tell me whether to file a roof claim?

No. It shows deductible, depreciation, schedule, and document issues to review before deciding. It does not tell you to file or not file a claim.

Why this matters: claim decisions can affect coverage, underwriting, repair duties, and future review, so PureCover keeps this tool claim-neutral.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

What documents should I gather?

Gather the declarations page, roof endorsement or schedule, deductible page, renewal notice, estimate, photos, depreciation worksheet, roof-age proof, and any claim payment or denial letters that apply.

Why this matters: policy forms, endorsements, damage facts, inspection, and repair documentation control the final answer.

Source: PureCover Insurance Roof ACV RCV And Deductible Reality Check.

Glossary

Terms used in this calculator.

Actual Cash Value (ACV)

Replacement cost minus depreciation. It estimates current value, not a brand-new roof.

Replacement Cost Value (RCV)

A replacement-cost path that may still pay ACV first, then possible recoverable depreciation after repairs and documentation.

Depreciation

Estimated loss in value from age, wear, condition, material, or useful life assumptions.

Recoverable depreciation

The depreciated amount that may be paid later if the policy allows and repairs are completed and documented.

Deductible

The amount of loss the policyholder pays before insurance pays its share, subject to policy wording.

Percentage deductible

A deductible calculated from Coverage A or the dwelling limit, such as 2% of $500,000.

Coverage A / dwelling limit

The main dwelling insurance limit shown on many homeowners declarations pages.

Roof schedule / scheduled payment

A roof-specific payment chart or percentage that can limit roof settlement based on age, material, or loss type.

Cosmetic damage / marring

Visible damage that may not affect function. Policy wording determines how it is treated.

Matching

Whether undamaged materials must match repaired materials. Policy wording and state facts control.

Proof of loss

A claim document or inventory the insurer may request to support the amount and facts of loss.

Endorsement

A policy change form that can add, remove, or modify coverage.

Review request

Review and update any missing information.

PureCover can review the declarations page, roof endorsement, deductible, renewal notice, estimate, and roof-age proof. Add ZIP, state, carrier, lender or mortgagee details, and documents before sending.

Send roof ACV RCV deductible summary

Your calculator summary can be copied into notes below. Uploading the declarations page, roof endorsement, deductible page, renewal notice, estimate, photos, or roof-age proof is optional but helpful.

First name

Last name

Email

Phone

State

ZIP code

Coverage interest

Current carrier

Renewal date

Additional drivers, insureds, or household people

Optional. Add regular drivers, co-applicants, a spouse or partner, other named insureds, or anyone else who should be reviewed with the policy.

Lenders, mortgagees, HELOCs, HOAs, or other interests

Optional. Use this for auto lenders, lessors, mortgagees, home-equity loans, HELOCs, HOAs, landlords, property managers, certificate holders, or other parties that should be listed or reviewed.

Notes

Documents to upload

Document type 1

File 1

Optional. Attach up to 4 PDF or image files. Each file can be up to 8 MB, with a 20 MB total upload limit. Your confirmation email will include a Request ID and a link to add documents later.

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