Work out what your roof claim is actually worth

Your insurer pays a replacement-cost roof claim in two parts, and almost nobody explains the second part. These calculators show you where the money went, what is still owed, and the date it stops being owed. Free, no email, nothing stored.

Roof claim calculator — ACV vs RCV Enter the figures from your adjuster’s worksheet. See the first cheque, the recoverable depreciation still owed, the gap against your contractor’s bid, and the completion deadline. Start here
Is my insurance cheque too low? The quick version. Three figures off the worksheet, in large type, and one answer: what the first cheque should have been. Simple version
What recoverable depreciation means The withheld half of your claim, why it exists, and exactly how to get it released. Guide
How to read an adjuster’s worksheet Where RCV, ACV, depreciation and O&P appear on the document, in plain language. Guide
All eight roof claim guides Supplements, overhead and profit, matching statutes, ACV versus RCV policies, completion deadlines and the deductible offer you should refuse. Index

Why this site exists

Search for anything about roof insurance claims and nearly every result is published by a roofing company, a public adjuster or a law firm — people whose income depends on which way you decide. Their calculators are lead forms with arithmetic attached.

We do not replace roofs, adjust claims or sell your details to anyone who does. The calculators are ungated because the absence of a gate is the point. Every assumption is visible and editable, the method is published, and the limitations are listed alongside the result rather than hidden.

If a figure here disagrees with your adjuster, the adjuster has your policy and we do not. Use this to ask a better question, not to win an argument.