Step 1 of 4
What's the retail price for your roof?
The straightforward retail quote for a full replacement — no insurance involved.
$
What type of insurance policy do you have?
This is the single most important factor. Not sure? Pick "I'm not sure" and we'll use a conservative estimate until you can check your declarations page.
How old is the roof?
Roof age drives how much a depreciating policy (ACV or RPS) will actually pay out.
A few last details.
These are prefilled with typical values — adjust if you know yours.
$
$
Adjust retail financing terms
$
Our recommendation
Retail is likely your better path.
Insurance
$15,250
Cheaper
vs
Retail
$15,000
Cheaper
See the insurance receipt
Carrier scope estimateRoughly retail + 30%
$19,500
Actual payout to youPays % of value minus deductible
$5,000
Out-of-pocket roof costWhat insurance doesn't cover
$7,500
Your deductiblePaid regardless
$2,500
Premium impact (7 yrs)
$5,250
Total insurance path
$15,250
Why we say this
Estimates are for decision-making only. Actual insurance premium changes, payout schedules, and policy terms vary by carrier, location, and underwriting. Confirm specifics with your carrier and your roofer.