Hail damage claim calculator
See what a hail roof claim would cost you: the deductible, depreciation, and what insurance pays.
Your out-of-pocket
- You pay
- $3,500
- of a $15,180 claim (estimated)
- Insurance pays
- $11,680
- first check $6,822; $4,858 after repairs
- Deductible
- $3,500
- 1% of $350,000 dwelling coverage
The claim is well above your deductible, so filing is likely worth it. Get a written estimate first.
Not insurance advice. This is arithmetic on your numbers. Policies differ (separate wind/hail deductibles, roof payment schedules, cosmetic-damage exclusions). Check your declarations page or ask your agent.
How the numbers work
Deductible. A percentage deductible is that share of your dwelling coverage, not of the claim. Many hail-belt policies use a separate wind/hail deductible of 1% to 5%.
Claim. Leave the estimate blank and we use the midpoint of a full replacement for your roof size and material, with the same installed prices as the Moxisync roof cost calculator plus tear-off. A contractor's or adjuster's estimate is always better.
Depreciation. We use straight-line depreciation over a typical life (asphalt shingles 25 years, standing-seam metal 50 years, flat membrane (tpo / epdm) 25 years). On RCV policies it is held back until repairs are done; on ACV policies it is never paid.
- What a 1%, 2% or 5% hail deductible really costsPercentage deductibles in dollars for common dwelling coverage amounts, and when they cost more than a flat deductible.
- ACV vs RCV roof coverage: what hail pays as your roof agesHow depreciation shrinks an actual cash value payout year by year, compared with replacement cost coverage.
- Should you file a hail claim? A worked decision tableWhen the estimate barely clears the deductible, what you net in common cases, and what to gather first.
Before you call your insurer
- Find the storm date: look up your city's hail history. Claims need a date of loss, and NOAA reports back it up.
- Price the roof yourself with the roof cost calculator, so you know whether an estimate is in range.
- Get a free inspection: hail bruising is often invisible from the ground.
Questions
How is a percentage hail deductible calculated?
It is a percentage of your dwelling coverage (Coverage A on the declarations page), not of the claim. A 2% deductible on $300,000 of dwelling coverage is $6,000, whatever the repair costs.
What is the difference between ACV and RCV?
Replacement cost value (RCV) policies pay what it costs to replace the roof, minus the deductible; insurers usually hold back the depreciation until the work is done. Actual cash value (ACV) policies subtract depreciation for the roof's age for good, so an older roof pays much less.
Should I file a hail claim if the damage is close to my deductible?
If the estimate is under or barely over your deductible, the insurer pays little or nothing and the claim may still go on your record. Get a written estimate first; see our guide on when filing makes sense.
Is this insurance advice?
No. It is arithmetic on the numbers you enter. Policies differ: some have separate wind/hail deductibles, cosmetic-damage exclusions for metal roofs, roof payment schedules by age, or code-upgrade coverage. Read your policy and ask your agent or a licensed public adjuster.
More free tools from the same lab: moxisynclabs.com/tools