Insurance Resources & Calculators

Yes. Every calculator on this page is free, requires no account, and doesn't send your information to your insurance carrier. We built them as a policyholder resource — there is no upsell tied to running a calculation.

No, and they're not meant to. A calculator can tell you what a line item should look like in theory. A licensed public adjuster inspects the property, documents the loss to Xactimate standards, negotiates with the carrier, and invokes appraisal or other dispute remedies when the carrier won't move. If a calculator shows a gap between your offer and what you expected, that's the point where a claim review makes sense.

The 80% rule is a coinsurance provision built into most standard homeowners policies that requires you to carry dwelling coverage equal to at least 80% of your home's replacement cost. If your coverage meets or exceeds 80%, claims settle at full replacement cost. If you fall short, the policy drops you to actual cash value on every claim — which subtracts depreciation and can dramatically reduce your payout. The rule applies to every loss, not just total losses, and it's often where partial-loss claims get cut hardest. Run your numbers through the Homeowners Coverage Gap Calculator to see where your policy stands.

Standard homeowners insurance covers water damage that is sudden and accidental — burst pipes, frozen pipe breaks, appliance failures, water heater ruptures, and wind-driven rain through a storm-damaged roof are typically covered. It does not cover flood damage from rising outside water, gradual leaks, long-term seepage, or maintenance-related water issues. Sewer and drain backups are usually excluded unless you've added a specific backup endorsement. The sudden-vs-gradual determination is the single most disputed element of water claims — our Water Damage Calculator flags which side a given loss falls on.

The 17c formula is the calculation most insurance carriers use to determine diminished value payouts after an auto accident. It caps the base loss at 10% of pre-accident value, then reduces it further with damage severity and mileage multipliers. The formula originated in a single 2001 Georgia Supreme Court case (State Farm v. Mabry) and was approved as a temporary valuation method for that specific 25,000-claimant class action — the Georgia insurance commissioner has explicitly instructed carriers not to treat it as binding outside that case. Yet carriers use it as a default nationwide because it produces conservative payouts. Market-based diminished value analyses (backed by USPAP-compliant appraisals) typically produce 1.5 to 3 times the 17c result, especially on luxury, performance, and low-mileage vehicles. Our Diminished Value Calculator shows both numbers side by side.

A car is considered a total loss when the cost to repair it exceeds a threshold set either by state law or the Total Loss Formula. Percentage-threshold states set a fixed damage-to-value ratio — 80% in Florida and Oregon, 75% in most states, as low as 60% in Oklahoma, and as high as 100% in Texas and Colorado. Total Loss Formula (TLF) states — including Minnesota, Wisconsin, California, Georgia, Pennsylvania, and many others — add the estimated salvage value to the repair cost; if (repairs + salvage) equals or exceeds ACV, the vehicle is totaled. Insurers almost always use proprietary valuation platforms (CCC One, Mitchell, Audatex) rather than Kelley Blue Book to determine ACV, which often produces lower numbers than owners expect. Our Total Loss Value Calculator covers all 50 states and flags where carriers typically under-credit vehicle value.

ACV (Actual Cash Value) subtracts depreciation from replacement cost, so older property pays out less. RCV (Replacement Cost Value) pays what it costs to replace the property today — but usually only after repairs are complete and receipts are submitted. Our ACV vs RCV Calculator shows both numbers side by side.

Recoverable depreciation is the amount a carrier initially withholds from an RCV policy as ACV depreciation, and releases back to you once you complete repairs and submit documentation. If you never complete the repairs, the carrier keeps it. If your claim has a holdback labeled "recoverable depreciation," that's money you're entitled to — but only if you follow the policy's claims procedures.

Florida hurricane deductibles are percentage-based — typically 2%, 5%, or 10% of your dwelling coverage limit, not a flat dollar amount. On a $400,000 dwelling with a 5% hurricane deductible, you'd owe $20,000 out of pocket before your carrier pays anything. The deductible applies per named storm under Fla. Stat. § 627.701. Use the Florida Hurricane Deductible Calculator for your specific numbers.

Florida condo master policies almost always carry a percentage-based hurricane or named-storm deductible — typically 2%, 3%, 5%, or 10% of Coverage A (building replacement value). On a $20 million building with a 5% deductible, that's a $1 million out-of-pocket cost the association passes to unit owners through a special assessment. How it's divided depends on the Declaration of Condominium — most Florida declarations allocate by percentage of common element ownership (usually by unit square footage), though some older buildings allocate equally per unit. The gap between the assessment and what a unit owner's HO-6 loss assessment rider pays is typically where the financial surprise lives. Our Condo Master Policy Deductible Calculator shows both sides of that math.

Every state has its own rules, and many are peril-specific. Florida hurricane notice is 1 year from landfall. Minnesota hail claims carry a 1-year suit limitation under Minn. Stat. § 65A.26 — separate from the 2-year rule for most other perils. Wisconsin typically imposes a 12-month suit limitation under § 631.83. Run your date of loss through the Insurance Claim Deadline Calculator to see exactly which deadlines apply to your claim.

Business interruption claims use the formula: lost revenue during the period of restoration, minus expenses saved because of the shutdown, plus any extra expenses incurred because of the loss, minus the waiting period deductible. Carriers use either the top-down (gross receipts) method or the bottom-up (net income) method — both should produce the same number on a properly documented claim. Accurate calculation requires your pre-loss P&L, trailing 12-month revenue, fixed vs. variable expense classification, and a documented period of restoration. Run your numbers through the Business Interruption Loss Calculator for a starting estimate.

Because the carrier is subtracting depreciation based on the age and condition of the damaged property. A 20-year-old roof can be depreciated by 80% or more under ACV, even though replacement cost hasn't dropped. The older the item, the wider the gap. Reviewing how those percentages were applied is usually the first place we find recoverable dollars.

Team Shoreline is actively licensed in Florida (G199012), Minnesota (40962416), and Wisconsin (21156868). If you're outside those three states, the calculators are still accurate for universal concepts like ACV, RCV, depreciation, 17c diminished value, and state-by-state total loss thresholds — but Florida-specific rules like the hurricane deductible and condo master policy framework only apply to Florida policies.