ACV / RCV Calculator
What’s actually coming out of pocket?
Most homeowners are surprised at how their first insurance check is calculated. Punch in three numbers from your Statement of Loss and we’ll show the math — no email or signup required.
Inputs
Pull these numbers off your insurance Statement of Loss and your contractor’s quote. Everything is computed in your browser — nothing is sent to our server.
What it costs to replace today, before any depreciation.
From your Statement of Loss. Often 30–45% on aging roofs.
Storm-damage deductibles are often higher than the standard one — check your declarations page.
Results
- RCV (replacement cost)
- $20,000
- Depreciation (subtracted)
- -$7,000
- ACV (today's value)
- $13,000
- Deductible (your share)
- -$2,500
- First check (ACV − deductible)
- $10,500
- Recoverable depreciation
- $7,000
- Total recovered after repairs
- $17,500
- Your out-of-pocket
- $2,500
What these mean
- RCV is the full cost to replace your damaged property new. See RCV for more.
- ACV is RCV minus depreciation — what your property is worth today. See ACV.
- Recoverable depreciation is paid back to you, on most RCV policies, after you complete the repairs and submit invoices. See Depreciation.