Insurance and Roofing Tools
Free calculators, analyzers, and planners to help you understand your roof insurance.
Every tool here is free and educational. They help you understand your policy, estimate costs, and prepare for conversations with your insurer or contractor. These tools provide general guidance, not insurance or legal advice.
Featured Tools
Our most-used calculators and generators for roof insurance decisions.
Hurricane Deductible Calculator
Calculate your actual out-of-pocket cost under hurricane, named-storm, or wind/hail deductibles based on your dwelling coverage and deductible percentage.
Insurance Claim Documentation Generator
Generate a structured documentation package for your roof insurance claim, including damage inventory, timeline, and carrier communication templates.
Insurance Coverage Gap Visualizer
See the gap between what your insurance will pay and what repairs actually cost based on your policy type, roof age, and deductible.
Planning & Analysis Tools
Deeper analysis tools for policy review, renewal preparation, and claim evaluation.
Roof Age Risk Assessment
Assess how your roof's age affects your insurance risk profile, premium trajectory, and likelihood of non-renewal or coverage restrictions.
FORTIFIED ROI Calculator
Calculate the return on investment for upgrading to FORTIFIED Roof standards, including insurance savings, grant eligibility, and payback period.
Pre-Renewal Strategy Planner
Build a personalized action plan to strengthen your position before your policy renewal date, reducing the risk of non-renewal or premium spikes.
Claim Settlement Analyzer
Break down your claim settlement to understand ACV vs RCV payments, recoverable depreciation, deductible impact, and whether your payout is fair.
Declarations Page Decoder
Upload or enter your declarations page details to get a plain-English explanation of your coverage limits, deductibles, endorsements, and exclusions.
Depreciation Over Time Simulator
Visualize how your roof's insured value decreases over time under ACV coverage and see the growing gap between replacement cost and insurance payout.
AI-Powered Tools
Experimental tools that use AI to analyze your documents, photos, and policy language.
Post-Storm Action Sequencer
Get a step-by-step, state-specific action plan for what to do immediately after storm damage — from emergency tarping to final settlement.
AI Claim Document Reviewer
Submit your claim documents for AI-powered analysis that identifies missing items, potential underpayments, and areas to supplement.
AI Policy Summary Tool
Paste your policy language and get a plain-English summary highlighting key coverage details, exclusions, and potential gaps specific to your roof.
AI Damage Photo Assessment
Upload photos of roof damage for AI-powered preliminary assessment of damage type, severity, and whether it's likely covered under standard policies.