Calculate your roof's actual cash value for insurance claims.
Our ACV calculator uses the same methodology as insurance adjusters. Enter your roof details below, or use our more detailed Roof Depreciation Calculator.
Use our Roof Depreciation Calculator for the full ACV breakdown:
Open Depreciation Calculator →Actual Cash Value is what your insurance company says your roof is worth right now — not what it would cost to replace it. ACV takes your roof’s replacement cost and subtracts depreciation based on age and condition. A 15-year-old shingle roof that would cost $12,000 to replace might have an ACV of only $4,000–$6,000.
This matters because if you have an ACV policy (also called a “market value” policy), your insurance payout is based on that depreciated value — not the full replacement cost. You’d be responsible for the difference out of pocket.
ACV (Actual Cash Value) policies pay the depreciated value of your roof. Premiums are lower, but you get less when you file a claim. Common on older homes and rental properties.
RCV (Replacement Cost Value) policies pay the full cost to replace your roof with similar materials, regardless of age. You typically receive the ACV first, then the remainder (the “recoverable depreciation”) after repairs are completed and documented.
If you’re not sure which type you have, check your declarations page or call your agent. The difference can be $5,000–$15,000 on a typical Houston roof claim.
Enter your roof’s age, material, size, and current replacement cost. The calculator estimates depreciation and shows your approximate ACV payout. Use it to understand what your insurance company might offer before you file a claim — so you’re not blindsided by a low number.
For a professional assessment, call RISE Roofing at (832) 224-3435. We provide free inspections with documentation that helps maximize your insurance payout.
Houston averages 3–4 hail and wind events per year. After each one, thousands of homeowners file roof claims only to discover their payout doesn’t cover the full replacement cost. The gap between what your roof costs to replace and what your insurance pays is almost always caused by depreciation.
Here’s a real scenario we see regularly: a homeowner has a 12-year-old shingle roof damaged by hail. Replacement cost is $13,000. Their ACV policy applies 60% depreciation based on the roof’s age, resulting in a payout of $5,200 minus their $2,500 deductible. They receive $2,700 — and owe the remaining $10,300 out of pocket.
This calculator helps you estimate that gap before you file, so you can budget accordingly or explore options like financing, supplemental claims, or negotiating with your adjuster.
1. Get a professional damage assessment first. Our free inspection provides detailed photo documentation and a scope of work that often identifies damage your adjuster missed. More documented damage means a higher payout.
2. Request a supplement. If the initial payout is too low, we file a supplement with additional documentation. Supplements increase payouts by $2,000–$5,000 on average for our Houston clients.
3. Consider upgrading to an RCV policy at renewal. The premium difference is often just $200–$400 per year, but an RCV policy pays the full replacement cost. On a $13,000 roof, that’s the difference between a $2,700 check and a $10,500 check.
Call (832) 224-3435 for a free roof inspection and ACV assessment. We’ll show you exactly where you stand before you file.
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Review Texas insurance regulations at the Texas Department of Insurance (TDI).
