Should I Claim It?

Roof claim calculator

Should you file a roof claim, or pay cash?

Two mechanics decide the answer before you make the call: your real percentage deductible, and your roof's age-based payment schedule. We do the arithmetic on both, then add the CLUE and non-renewal consequences to the verdict. Free, no phone or email, and the verdict is never held behind a form.

✓ Uses your real numbers ✓ No phone number, no email ✓ We show every number's math

1Where you are & your dwelling coverage

Determines state surcharge and non-renewal rules.
On your declarations page. Rebuild cost, not market value.
$

2Your wind and hail deductible

Deductible percent
On the declarations page, near the deductible section: "wind," "hail," "wind/hail," or "windstorm." If it lists a flat dollar amount instead, the percentage math on this calculator does not apply to you.

3Your roof

Old roofs get depreciated. This one is load-bearing.
Material
Roof size
A "square" is 100 sq ft of roof surface.

4The damage

What kind of damage?
Sharpens the answer. Free to get, and not the same as filing a claim.
$

5Your insurance history

Claims in the last 5 years
Lets us estimate the 3-year surcharge if you file.
$
Claims-free discount on the policy?

Three worked scenarios

Three homeowners the calculator would send in three different directions. Same engine, same math, different verdicts.

Young roof, big storm

$300,000 dwelling at 1% ($3,000 real deductible), 6-year-old architectural asphalt, medium size, full hail replacement, no prior claims.

$10,375 estimate (RCV, no schedule)
− $3,000 deductible
= $7,375 net benefit
File it. This is what coverage is for.
Old roof, small storm

$400,000 dwelling at 2% ($8,000 real deductible), 18-year-old asphalt, medium size, full replacement.

$10,925 estimate
→ $3,825 after ACV schedule
− $8,000 deductible
= $0 net benefit
Pay cash. Depreciation eats the payout.
Big deductible, mid-size job

$600,000 dwelling at 2% ($12,000 real deductible), 8-year-old asphalt architectural, medium size, targeted hail repair.

$1,725 estimate (repair, not replace)
− $12,000 deductible
= $0 net benefit
Pay cash. Deductible is bigger than the whole job.