Free calculator
How much would a hail claim actually cost you?
Most homeowners assume their deductible is the only out-of-pocket cost. With roof depreciation and percentage deductibles, the real number is often 5×–10× higher.
$500k
2%
12 yrs
RCV = full replacement. ACV = depreciated. Most carriers force ACV after 10–15 years.
Your estimated exposure on a $25,000 roof claim
$19,075–$21,575out of pocket
- Deductible alone: $10,000
- Roof depreciation gap: $9,075 – $11,575
Based on a typical $25,000 hail roof claim, your deductible alone is $10,000. Because your roof is 12 years old (most carriers switch to ACV by this age), depreciation reduces the payout by roughly 36%, adding ~$9,075 to your out-of-pocket.
Estimates only. Real payouts vary by carrier, endorsements, and claim circumstances.