Your Home
Roof Settlement Check
An ageing roof is often settled at a fraction of replacement cost. See what your policy basis would actually pay.
Calibrate
Drag to set each value — estimates are fine.
Years since the roof was last fully replaced — a close guess is fine.
Different materials carry very different expected service lives.
A recent estimate from a local roofer is ideal. Otherwise a rough figure is fine.
On your declarations page, often as a "roof surfacing" endorsement. This is the fact that matters most.
Optional. Percentage wind/hail deductibles are worked out on this figure — it is on your declarations page.
Optional. Many policies now carry a separate wind/hail deductible expressed as a percentage rather than a dollar figure. Leave blank to see the settlement basis alone.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Roof age (years)
- Roof material
- Cost to replace the roof today
- How does your policy settle a roof claim?
- Coverage A (dwelling limit), if you want the deductible shown
- Wind/hail deductible (% of Coverage A), if you have one
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.