Insurance Deductible Calculator
Wondering what your Tulsa roof claim actually pays out? Enter your replacement cost value (RCV) and deductible, and this tool runs the standard settlement math — (RCV − O&P) minus your deductible — across common deductible scenarios, plus ACV first-check and recoverable depreciation. Estimates only; your adjuster's numbers rule.
Estimate Your Claim Check
Enter your numbers — the claim scenarios update instantly. Formula: (RCV − O&P) − deductible.
Deductible Scenarios — (RCV − O&P) minus each
| Deductible | Your Check | % of RCV |
|---|---|---|
| $1,000 | — | — |
| $2,500 | — | — |
| $5,000 | — | — |
| $10,000 | — | — |
Enter a replacement cost value above to see your claim scenarios.
How Your Roof Claim Payout Works
RCV Is Established
The adjuster prices a full replacement of your roof — that's your replacement cost value. Typical Tulsa 2,200 sq ft homes land between $10,000 and $30,000 depending on material and pitch. Use our roof cost estimator for a sanity check.
O&P and Deductible Come Out
Most Oklahoma carriers write a 10% overhead and profit line into full replacements, then subtract your deductible. The result — (RCV − O&P) − deductible — is the check you can expect at full approval.
Depreciation Pays in Two Checks
You typically get ACV minus deductible first, then recoverable depreciation after the roof is installed. If your claim is denied — wear and tear isn't covered — you pay the full cost. See the roof depreciation calculator for the ACV math. Get a free roof estimate from Proof Construction. Explore all roofing solutions from Proof Construction. See your claim readiness score. Learn how insurance claims work in Tulsa.
Frequently Asked Questions
Quick Answers
How much will I pay out of pocket for a covered roof claim? If your claim is approved at full RCV, your only out-of-pocket cost is your deductible - typically $1,000-$5,000 on Tulsa-area policies. If the claim is denied (normal wear and tear is not covered), you pay the full replacement cost yourself.
How is a Tulsa roof insurance claim calculated? For a covered loss, your settlement is based on the replacement cost value (RCV) of the roof. Carriers typically subtract the overhead and profit (O&P) line item - usually 10% of the covered scope - and then subtract your deductible: (RCV - O&P) - deductible. This calculator runs that math for your numbers.
What is recoverable depreciation? Most RCV policies pay the actual cash value (ACV - replacement cost minus depreciation based on roof age) first, then pay the recoverable depreciation once the roof is complete. Together they add up to your full RCV settlement minus the deductible.
What is O&P in a roof claim? O&P stands for overhead and profit - the contractor's 10% line item that Oklahoma carriers include on most full roof replacements. It covers the contractor's business overhead and margin, and it is part of the settlement rather than a separate payment to you.
What if my roof is old and heavily depreciated? Depreciation does not reduce your final RCV settlement - it only affects the timing of payments. The first check is smaller (ACV minus deductible), and the recoverable depreciation is paid after installation. Proof Construction handles this paperwork on every storm claim - call (918) 734-4444 for a free inspection.
