Roof Insurance Deductible Calculator

Roofing Giant · Free tool

Texas homeowner policies can use percentage-based wind or hail deductibles, fixed deductibles, replacement-cost terms, actual-cash-value terms or roof-specific payment schedules. Enter the assumptions from your own policy to estimate possible claim economics. This calculator does not determine coverage, predict an insurer’s payment or tell you whether to file a claim.

RCV vs. ACV in plain language

Replacement cost value (RCV) generally refers to coverage based on the cost to repair or replace covered property without deducting depreciation, subject to the policy’s terms, limits, deductible and claim decision. Some policies withhold recoverable depreciation until qualifying work is completed and documented. Review the insurer’s estimate and policy for the actual payment sequence.

Actual cash value (ACV) generally reflects replacement cost less depreciation, subject to the policy’s terms, limits, deductible and claim decision. Roof-specific endorsements and payment schedules can materially change the calculation, so check the declarations, endorsements and insurer estimate rather than relying on a generic percentage.

Texas law requires the policyholder to pay the applicable deductible and prohibits a contractor from waiving, rebating or absorbing it. Texas Department of Insurance guidance warns homeowners to avoid contractors who offer to make the deductible disappear. Read our 2026 Texas roof-insurance deductible law field report for current statute and TDI sources.

Questions to review before deciding whether to report a loss

Whether to report or file an insurance claim is the policyholder’s decision. Before deciding, review the roof condition, your policy and the insurer’s reporting instructions.

• What roof or exterior conditions are actually documented by inspection?
• What deductible, limits, exclusions and roof-specific endorsements apply under your policy?
• What reporting or notice requirements does your insurer give you?
• Does the insurer describe the roof coverage as replacement cost, actual cash value or another policy-specific basis?
• What roofing repair or replacement scope and estimated cost are supported by the observed conditions?

Walk through the six steps in our insurance claim process guide. Roofing Giant can meet the insurer’s adjuster to point out documented roof conditions and discuss technical roofing scope; coverage and settlement decisions remain with the policyholder and insurer.