Insurance Resources & Calculators
Free tools built by licensed public adjusters to help you see what your insurance claim is actually worth — not just what your carrier is willing to pay.
Most policyholders find out how insurance math really works after they've already accepted a lowball settlement. Depreciation schedules, Actual Cash Value deductions, coinsurance penalties, proof-of-loss deadlines — these are the levers insurance companies pull to reduce payouts, and almost none of it is explained in plain English on your policy. Our calculators were built to close that gap. Run the numbers in under a minute, see where your claim stands, and decide from there whether you need a professional to step in.
Free Property Insurance Calculators
Built by licensed public adjusters for homeowners and business owners across Florida, Minnesota, and Wisconsin. No account, no email gate — just the numbers your carrier isn't showing you.
Florida Hurricane Deductible Calculator
Enter your dwelling coverage and hurricane deductible percentage to see exactly how much you'll owe out-of-pocket after a named storm.
- Calculates 2%, 5%, and 10% deductibles
- Shows per-storm out-of-pocket exposure
- Based on Fla. Stat. § 627.701
ACV vs RCV Calculator
See the dollar gap between Replacement Cost Value and what your carrier is actually offering under an Actual Cash Value settlement.
- Side-by-side ACV and RCV figures
- Recoverable depreciation breakdown
- Shows what's left on the table
Insurance Claim Deadline Calculator
Enter your date of loss, state, and peril to get every deadline that applies — notice, proof of loss, supplemental, and suit limitation.
- Peril-specific (hurricane, hail, fire, water, more)
- Covers FL, MN, and WI statutes
- Flags Minnesota's 1-year hail carve-out
Depreciation Calculator
See how age-based depreciation is being applied to your roof, HVAC, or personal property — and whether the deduction your carrier used is fair.
Coinsurance Penalty Calculator
Calculate whether your commercial or condo policy is underinsured at the 80/90/100% requirement — and how much the penalty will cost at claim time.
Loss of Use / ALE Calculator
Estimate Additional Living Expense coverage for temporary housing, meals, and displacement costs after a covered loss renders your home uninhabitable.
How Insurance Companies Actually Value Your Claim
Two valuation methods, one big variable, and a set of hidden deductions most policyholders never see until after they've accepted the check.
Actual Cash Value (ACV)
ACV is what your damaged property was worth immediately before the loss — Replacement Cost minus depreciation. A 14-year-old shingle roof settled at ACV won't come close to what it costs to replace. If your policy settles at ACV only, that depreciation deduction is permanent and isn't coming back.
Replacement Cost Value (RCV)
RCV pays what it actually costs to replace the damaged property with materials of like kind and quality, at today's prices. Most RCV policies pay ACV up front, then release the recoverable depreciation after you complete repairs and submit documentation. If you never complete the repairs, that second check never arrives — and the carrier keeps it.
The Hidden Variables
Even on the same loss, net recovery can swing by tens of thousands of dollars depending on applied depreciation rates, condition adjustments, policy sublimits (especially on roofs, siding, and law & ordinance coverage), coinsurance requirements on commercial policies, and matching statutes in your state. Our calculators surface these variables so you can see which ones are moving your number.
Know Your Claim Deadlines
Every state sets different deadlines for filing, documenting, and disputing an insurance claim. Miss one and your claim can be barred — regardless of whether it had merit.
Florida
- Notice of New Claim1 year from date of loss
- Supplemental Claim18 months from date of loss
- Suit Limitation5 years (policy may shorten)
- AuthorityFla. Stat. § 627.70132 (post-HB 837, 2023)
Minnesota
- Breach of Contract SOL2 years generally (Minn. Stat. § 541.07)
- Proof of LossTypically 60 days from carrier request
- Appraisal RightsMinn. Stat. § 65A.01
- Policy Language ControlsCarriers may enforce shorter contractual periods
Wisconsin
- Suit Limitation1 year from date of loss (Wis. Stat. § 631.83)
- Proof of LossPer policy terms
- RegulatorWisconsin OCI accepts complaints directly
- Policy May ExtendUnless policy provides longer
These are general references, not legal advice. Policy language and case-specific facts control. Run your specific loss through the Insurance Claim Deadline Calculator for a peril-specific answer.
Frequently Asked Questions
Are these calculators actually free to use?
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.
Can these calculators replace a public adjuster?
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.
What's the difference between ACV and RCV?
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.
What is recoverable depreciation?
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.
How does a hurricane deductible work in Florida?
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.
How do I know if I've missed a claim deadline?
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.
Why are ACV and RCV numbers so different on my settlement?
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.
Do you serve my state?
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, and depreciation, but the state-specific deadline outputs won't apply.
Numbers don't add up?
If a calculator surfaced a gap between your offer and what you expected, a 15-minute claim review will tell you whether there's something worth pursuing. We don't get paid unless you recover more than what's already on the table.
Request a Free Policy Review