Insurance Coverage Gap Visualizer

See exactly how much insurance would pay for your roof damage — and how much comes out of your pocket. Interactive simulator with real-time results.

Your Scenario

Home Insured Value

Roof Size (squares)

1 square = 100 sq ft

Roof Age

15 years

Roof Material

Deductible Type

Deductible Amount

Coverage Type

Replacement Cost Value — pays full replacement minus deductible

Damage Scenario

State

Total cost: $0

Insurance Pays

Deductible (You Pay)

Depreciation

Total Repair / Replacement Cost	$0
Depreciation (0%)	$0
Actual Cash Value (ACV)	$0
Deductible	$0
Insurance Pays	$0
Your Out-of-Pocket	$0
Recoverable Depreciation (after repairs)	$0
Final Out-of-Pocket (after recovery)	$0

This simulator uses simplified depreciation models. Your actual coverage depends on your specific policy.
Repair costs are Gulf Coast averages for 2025–2026. Your actual costs will vary.
Your insurance company's depreciation calculation may differ from this straight-line model.