Insurance Deductible Calculator
Understand your out-of-pocket costs before filing a claim. We help maximize your coverage and minimize your expenses.
⚠️ Important: Coverage Type Affects Your Actual Out-of-Pocket Cost
Your deductible is only part of the equation. Many Myrtle Beach homeowners with roofs 10-15 years old discovered their policies shifted from Replacement Cost Value (RCV) to Actual Cash Value (ACV)—resulting in depreciation deductions that can add thousands to your out-of-pocket costs beyond your deductible.
Learn about the roof age insurance threshold and how to check your actual coverage →We Work With All Major Insurance Companies
Coverage varies significantly by carrier and roof age. Recent industry changes mean some insurers automatically shifted older roofs to depreciated (ACV) coverage. Before filing your claim, understand your actual coverage type to avoid surprise costs. Read our guide on the 10-15 year coverage cliff affecting Myrtle Beach homeowners.
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Our experts guide you through the entire process and help maximize your coverage.