Roofing Giant · Free tool
Texas homeowner policies usually carry a separate wind and hail deductible written as a percentage of the dwelling coverage, and many policies now settle roofs at actual cash value. This calculator shows what a claim would pay on your policy so you can decide whether filing makes sense before you call your carrier.
RCV vs. ACV in plain language
Replacement cost value (RCV) policies pay what it costs to replace the roof today. The carrier issues a first check for the depreciated value minus your deductible, then releases the withheld depreciation once the roof is installed and invoiced. You pay the deductible to the contractor; everything else is covered.
Actual cash value (ACV) policies pay the depreciated value only. On a 15-year-old shingle roof that can be less than half the replacement cost, and the difference is yours to pay. Roof-specific ACV endorsements and roof payment schedules have become common in Texas, so check your declarations page.
Texas law makes it a crime for a contractor to pay, waive, absorb or rebate your deductible. A roofer who offers to “cover your deductible” is offering to commit insurance fraud on your policy.
When a claim is worth filing
- The documented damage is well above the deductible, so the payout is meaningful
- The damage is from a single covered storm with a date you can verify
- An inspection report with test squares and collateral photos supports the claim
- You understand the policy basis (RCV or ACV) and the depreciation that applies
Walk through the six steps in our insurance claim process guide, and let Roofing Giant meet the adjuster so the full scope is written the first time.
Get the inspection your claim will rest on.
Free 30-point inspection with the documentation adjusters expect. We handle the paperwork with your carrier from first call to depreciation release.