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Western EdgeExteriors
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Hail Insurance Coverage Estimator

Build a planning estimate from the assumptions you enter, then compare it with your policy and carrier documents.

Check your policy declarations page. If it says "Replacement Cost" you're on RCV. If unclear, ask your agent — this matters a lot.

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Use our Cost Estimator if you need a ballpark.

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Typical Colorado deductibles are 1-2% of dwelling coverage. On $400K dwelling, 1% = $4,000.

Approximate age of your current roof. Older roofs depreciate faster.

Carriers use this to calculate depreciation. 20 years is the most common default.

Why ACV vs RCV matters so much

On a typical $28,000 Colorado roof claim with a 10-year-old roof and 50% depreciation:

  • RCV policy: Full recovery of $24,000 ($28K - $4K deductible). Depreciation released after work completion.
  • ACV policy: Only $10,000 ($14K depreciated value - $4K deductible). The $14,000 of depreciation is forfeited forever.

That's a $14,000 difference on the same storm and same roof — just based on policy type. Most Colorado homeowners should be on RCV. If you're on ACV, strongly consider switching at renewal.

Read our full guides: