The roof + insurance desk
Know the number. Know the verdict.
Tell us your roof and your damage. We hand you the replacement cost and whether your policy is likely to pay — with the work shown, like a good inspector’s report.
Estimate only — not a measured quote. Material, pitch, decking surprises, and local labor swing the real number. Get 2–3 written quotes from licensed, insured roofers.
How it works
Size it
Enter your roof’s material, footprint, pitch, and stories — we cost it by the square, not a national average.
Price it
Get a live replacement estimate with a per-square breakdown: tear-off, shingles, underlayment, labor, permits.
Verify it
Match your damage against your policy’s covered perils, then see the likely verdict and your ACV-vs-RCV payout.
The insurance math
Actual Cash Value vs. Replacement Cost
Two policies on the same roof can pay thousands apart. ACV subtracts depreciation up front; RCV releases it after the work is done. We show both so the recoverable depreciation isn’t a surprise.
Read the ACV/RCV guide →9-year architectural asphalt roof · $15,000 replacement · $1,500 deductible
Insurance · coverage check
Will your insurance cover it?
The cause of the damage decides almost everything. Pick what happened and see where it lands — and what to do about it.
General educational information based on a standard HO-3 policy — not a coverage determination. Only your policy and insurer decide an actual claim.
Read up before you sign
Roof Cost Per Square: What a "Roofing Square" Really Costs
Contractors price roofs by the square, not the square foot — here is how the unit works and what each material runs per square installed.
Asphalt vs Metal Roof Cost: A Lifetime Comparison
Metal costs far more up front but can outlast two or three asphalt roofs — here is how the cost and lifespan math actually compares.
ACV vs RCV Roof Insurance: How Depreciation Decides Your Payout
The difference between Actual Cash Value and Replacement Cost Value can swing a roof claim by thousands — here is exactly how each one pays.
Four tools, one roof decision
Replacement cost
Roof replacement calculator
Price a re-roof by material, size, pitch, stories, and tear-off — with a per-square breakdown.
Open tool →Claim payout
ACV vs RCV payout estimator
See depreciation, your first check, recoverable depreciation, and true out-of-pocket on a roof claim.
Open tool →Insurance
Is my roof damage covered?
Answer one question — the cause — for a likely-covered / not-covered verdict with next steps.
Open tool →Roof size
Roof squares calculator
Turn your footprint and pitch into roof area, squares, shingle bundles, and underlayment.
Open tool →Popular questions
How much does a new roof cost?
The full cost picture by material, size, and region.
Read →Roof replacement cost by state
Rough cost ranges plus the hail, wind, and insurance quirks where you live.
Browse states →How we estimate
The cost models, the ACV/RCV math, the coverage logic, and every source we cite.
Methodology →Frequently asked questions
How much does a new roof cost?
A typical asphalt re-roof runs about $9,000–$18,000, with a national average near $11,000 for an architectural-shingle roof on an average home (~22 squares). Basic 3-tab is cheaper per square; metal, tile, and slate cost several times more. Use the calculator to price your material and roof size.
Does homeowners insurance cover roof replacement?
It depends on the cause. Standard policies cover roof damage from sudden named perils — hail, windstorm, a fallen tree, fire. They exclude age, wear and tear, neglect, and defects. And even a covered claim on an older roof is often paid at actual cash value (depreciated), not full replacement cost. Our verdict and payout tools walk you through both.
What is the difference between ACV and RCV on a roof claim?
Replacement cost value (RCV) pays the full cost to replace the roof, minus your deductible — releasing the depreciation once the work is done. Actual cash value (ACV) pays only the depreciated value, so an older roof nets far less and you cover the rest. The claim payout calculator shows the gap for your roof’s age.
Are your estimates accurate?
They are rough planning ranges built from public cost data and standard policy logic — not a measured quote or a coverage determination. Get 2–3 written quotes from licensed roofers, and confirm coverage and settlement basis with your insurer. Use our numbers to sanity-check theirs.