Roof Insurance Deductible Calculator
Estimate what you'll actually pay out of pocket on a roof insurance claim — your deductible plus any non-recoverable depreciation — before you file. Enter your replacement cost estimate, choose your deductible type, and pick hail or wind. New to claims? Walk through the Oklahoma hail claim process or the roof damage claim steps first.
Your contractor's full replacement estimate for the damaged roof — or your best guess based on square footage and materials.
Most Oklahoma wind/hail deductibles are 1%–5% of your dwelling coverage limit. This tool applies the percentage to your roof cost estimate, so if your policy uses your dwelling limit instead, your real deductible will be higher.
The set dollar amount you pay before coverage kicks in — check your policy declarations page (often $1,000–$2,500, or higher on older roofs).
Hail damage on a replacement-cost policy usually keeps depreciation recoverable. Wind claims on older roofs are where non-recoverable depreciation most often bites.
Asphalt shingle roofs are typically depreciated over a 20-year useful life. Leave at 6–10 years if you're not sure.
Your Estimate
Based on your inputs. Depreciation assumes a 20-year asphalt shingle useful life.
Enter your roof replacement cost estimate to see results.
Hail claim: on a typical replacement-cost policy, depreciation is recoverable — the insurer pays actual cash value first and releases the balance after repairs are complete. Your true out-of-pocket is usually just the deductible.
Wind claim: depreciation on older roofs is often non-recoverable. Carriers commonly depreciate roofs past ~10 years, and some policies settle roofs over 15–20 years at actual cash value instead of replacement cost.
How This Calculator Works
Three numbers drive your out-of-pocket cost on a roof claim: your deductible, the depreciation your carrier applies, and how much of that depreciation is recoverable.
- Your deductible — a flat dollar amount or a percentage of coverage. It comes out of your pocket before the insurer pays anything on the claim.
- Depreciation exposure — your roof loses value with age. We assume a 20-year useful life for asphalt shingles. On hail claims under a replacement-cost policy, that depreciation is usually recoverable once repairs are done. On wind claims, carriers frequently treat depreciation on roofs past ~10–15 years as non-recoverable — that portion lands on you.
- Upfront out-of-pocket — your deductible plus any non-recoverable depreciation. Recoverable depreciation is a cash-flow gap, not a permanent cost: it's paid after the work is complete.
Want the Real Number?
An insurance estimate is only as good as the documentation behind it. Proof Construction offers free, no-obligation roof inspections for Tulsa-metro homeowners — we'll document storm damage, roof age, and condition so you know what your claim should include before you file.
CALL (918) 734-4444Licensed & insured • OK License CIB #80004070 • BBB A+ Accredited • Owens Corning Preferred Contractor
Roof Deductible FAQ
Two ways, depending on your policy. A flat-dollar deductible is a set amount (say $2,500) you pay before coverage kicks in. A percentage deductible — common for wind and hail in Oklahoma — is a share of your dwelling coverage limit, not the roof cost. A 1% deductible on a $300,000 dwelling limit is $3,000. This calculator applies a percentage to your roof cost estimate, so if your policy uses your dwelling limit instead, your real deductible will be higher.
Depreciation is the amount subtracted from your roof's value because of age and wear. On a replacement-cost (RCV) policy, the insurer typically pays the actual cash value (replacement cost minus depreciation) up front, then releases the recoverable depreciation once repairs are complete. Non-recoverable depreciation — common on wind claims for roofs past about 10–15 years — is deducted permanently and comes out of your pocket.
Often not. On wind claims especially, many Oklahoma carriers depreciate roofs over 10–15 years old, and some policies settle older roofs at actual cash value instead of replacement cost. Hail claims on RCV policies usually keep depreciation recoverable. If your roof is past 15–20 years, expect depreciation to be a real factor — a professional inspection before filing can help you plan.
It's a percentage of your dwelling coverage limit, not the roof. On a $300,000 dwelling limit, a 1% wind/hail deductible is $3,000 and a 2% deductible is $6,000 — you pay that before the insurer pays anything. These are standard options on Oklahoma homeowners policies and are separate from your regular (often $1,000) all-peril deductible.
Check the declarations page of your homeowners policy for the deductible amounts, then read the wind/hail and loss settlement sections for depreciation rules. If you're unsure, an independent roof inspection documents the condition of your roof so you know what you're claiming. Proof Construction offers free Tulsa-metro inspections — call (918) 734-4444.