Roof Claim Estimator

Most carriers calculate either Actual Cash Value (ACV) — replacement cost minus depreciation based on roof age — or Replacement Cost Value (RCV), which pays full replacement after depreciation is recovered. Your policy declarations page lists which applies.

Most policies use a flat deductible ($1,000–$2,500) or a wind/hail percentage deductible (1%–5% of dwelling coverage). On a $300,000 home with a 2% deductible, you'd owe $6,000 out of pocket before any payout.

A single weather-related claim typically does not raise premiums in most states, but multiple claims within 3–5 years can. Non-weather claims (neglect, age) almost always raise rates or trigger non-renewal.

Yes. A documented contractor inspection with photos strengthens your claim and gives you a baseline to compare the adjuster's scope of work. Never sign an Assignment of Benefits before reviewing it with an attorney.

Most policies require notice within 1 year of the loss event, but some states allow up to 2 years for storm damage. File as soon as possible after documenting the damage.

Our calculators use 2026 national installed pricing benchmarks adjusted for your state and the variables you enter. They produce a realistic budget range, not a contractor bid. Always collect 2–3 written quotes before signing a contract.

Yes. All cost-based calculators include both labor and materials at typical installed rates. Permits, underlayment, flashing, drip edge, ridge cap, and standard ventilation are included unless noted. Structural deck repair, skylight replacement, and chimney work are not.

Material and labor benchmarks are reviewed quarterly against ABC Supply, BEACON, GAF, Owens Corning, and BLS labor data so estimates stay current with 2026 market conditions.

Yes. Labor wages, permit fees, hurricane and wind code requirements, and material delivery distance vary widely. Coastal California, New York, Massachusetts, and Hawaii routinely run 15–45% above the national baseline; Texas, Ohio, and Tennessee sit at or below it.

If the damage is from a covered peril (wind, hail, fallen tree) and exceeds your deductible by a meaningful margin, a claim usually makes sense. Cosmetic wear, age-related failure, and small repairs are typically not covered.

One roofing square equals 100 square feet of roof surface. Contractors quote materials (bundles of shingles, rolls of underlayment) and labor by the square. A 2,000 sq ft roof is 20 squares.

A standard asphalt shingle tear-off and replacement on a single-family home takes 1–3 days. Metal, tile, and slate take 3–10 days. Weather, crew size, and roof complexity drive the range.