Roof Claim Settlement Calculator
How Three Policies Settle the Same Roof Claim
Same hailstorm, same roof, three different settlement methods. The numbers explain why coverage terms matter more than premium.
Your inputs
ACV settlement
Schedule settlement
Estimated results
Replacement cost (RC) policy pays
$16,000
Full $24,000 less $8,000 deductible.
Actual cash value (ACV) — 56% depreciated
$2,560
RCV × (14 ÷ 25) depreciation, less deductible.
Schedule policy — 28% reduction
$9,280
7% per year after year 10, less deductible.
On this same claim, RC pays $13,440 more than the worst of the two depreciation-based methods.
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Get My Minnesota Insurance QuoteCarriers vary widely in how they apply schedules and ACV. Always confirm your policy's roof settlement language before making coverage or roof replacement decisions.
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