Use entered estimate or roof squares times cost per square.
Home calculator
See what roof ACV, RCV, and deductible wording could mean for the first check.
Enter the roof estimate, roof age, settlement wording, and deductible. PureCover shows the deductible used in the math, the estimated first-payment amount, possible later depreciation review, and which roof documents to gather.
About 2 minutes No contact info before results Works with unknowns Not a claim estimate
This is a policy wording 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 you have.
Exact policy wording is best, but rough entries still help. The result explains what the numbers appear to show, what is still unknown, and which pages PureCover should verify.
Result
Your roof policy review snapshot
Enter the roof and policy details above, then calculate to see the first-payment and document review.
Flat amount or percentage converted to dollars.
Estimated value after depreciation or schedule, minus deductible.
Timing gap or possible nonrecoverable amount to review.
What the result terms mean
Your result stays on this page until you copy, open an email draft, print, share, or send it to PureCover.
Documents for this result
What this calculator is for.
It organizes the roof number you entered, the deductible, the settlement wording, and the documents PureCover should verify before anyone relies on the first-payment math.
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 a reduced 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.
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.
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: a small-looking percentage can become a large deductible when it is based on the dwelling limit instead of the roof estimate.
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.
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.
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.
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.
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 contact, carrier, lender or mortgagee details, and roof documents if they apply.
Your calculator summary is already filled into notes below. Review and add any missing contact, carrier, lender, or roof-document details before sending.