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 an insurance-to-value condition in many standard homeowners policies. It asks you to carry dwelling coverage equal to at least 80% of your home's replacement cost. If you meet it, covered partial losses are paid at replacement cost, without deduction for depreciation, up to your limit. If you fall short, the policy pays the larger of the actual cash value of the damage or a proportional share of the replacement cost (your coverage divided by 80% of the replacement cost). Run your numbers through the Homeowners Coverage Gap Calculator.

Many homeowners policies cover sudden and accidental water damage, such as a burst pipe, an appliance failure, or rain that enters through an opening wind or hail created. They generally exclude flood (rising surface water), and many exclude seepage or leakage that continues over a period of time; the exact wording varies by policy. Sewer and drain backup is excluded under many policies unless you add a water backup endorsement. The Water Damage Calculator walks through the sudden-vs-gradual question for your loss.

The 17c formula is a claim-handling method some auto insurers use to value diminished value: 10% of the car's pre-accident value, multiplied by a damage modifier and a mileage modifier. Its name comes from paragraph 17(c) of a Muscogee County, Georgia, Superior Court order, and it is not a statute or a legal standard. Georgia's insurance department has said it "has not endorsed a particular formula or method." A documented market-value loss, from an appraisal or dealer evidence, can come out higher or lower than the 17c figure. The Diminished Value Calculator shows both.

A common insurer test compares repair cost plus the car's salvage value with its actual cash value; each insurer applies its own threshold. State title laws separately decide when a car gets a salvage title. Minnesota brands a vehicle when repairs exceed 80% of its pre-damage value or the insurer declares it a total loss (Minn. Stat. § 168A.01, subd. 17b). Wisconsin's line is 70% of fair market value for vehicles under seven years old (Wis. Stat. § 340.01(55g)). North Dakota's is repairs above 75% of retail value (N.D.C.C. § 39-05-20.2). In Florida, an insured vehicle becomes salvage when the insurer pays it as a total loss (Fla. Stat. § 319.30); in South Dakota, when the insurer determines it's a total loss, for vehicles 10 model years old or newer (SDCL 32-3-51.19). The Total Loss Value Calculator runs both checks.

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, often only after repairs are complete and documented. The ACV vs RCV Calculator shows both numbers side by side.

Recoverable depreciation is the amount an insurer withholds from a replacement cost payment and pays once you complete repairs and submit documentation, within the time the policy allows. If the repairs are never completed, it generally isn't owed. If your settlement shows a holdback labeled "recoverable depreciation," follow the policy's procedure to collect it.

Before issuing a personal residential policy, a Florida insurer must offer hurricane deductibles of $500 and 2%, 5%, and 10% of the dwelling limit, with some exceptions at higher dwelling limits (Fla. Stat. § 627.701(3)). On a $400,000 dwelling limit, a 5% deductible is $20,000. The hurricane deductible applies on an annual basis to all hurricane losses in a calendar year (§ 627.701(5)(a)1.), and for a later hurricane the insurer may apply the greater of what remains of the hurricane deductible or your other-perils deductible (§ 627.701(5)(a)3.). Use the Florida Hurricane Deductible Calculator for your numbers.

A Florida condominium master policy can carry a percentage hurricane deductible. On a $20 million building with a 5% deductible, the deductible is $1 million, which is a common expense the association passes to unit owners (Fla. Stat. § 718.111(11)(j)). Each owner's share follows the declaration; for residential condominiums created after 1992, shares are based on square footage or an equal fractional basis (§ 718.104(4)(f)). HO-6 loss assessment coverage, at least $2,000 in Florida (§ 627.714), pays toward your share. The Condo Master Policy Deductible Calculator shows the split.

Every state has its own rules, and some depend on the cause of loss. In Florida, notice of a new claim is due within 1 year of the date of loss (for a hurricane, the landfall date). In Minnesota, the 2-year suit limit in § 65A.01 applies to fire losses; other perils follow the policy's suit clause. Wisconsin's § 631.83 sets a 12-month suit limit on fire policies. North Dakota sets limits on reopened and supplemental claims, and South Dakota has no statutory notice deadline, so the policy controls. Run your date of loss through the Insurance Claim Deadline Calculator.

Under the standard business income form (ISO CP 00 30), the loss is the net income the business would have earned plus its continuing normal operating expenses during the period of restoration. Business income isn't covered for the first 72 hours, and necessary extra expense to keep operating is covered separately. Carriers use their own forms, so your policy controls. A good calculation starts with your pre-loss profit and loss statement, trailing 12-month revenue, a split of fixed and variable expenses, and a documented period of restoration. Run your numbers through the Business Interruption Loss Calculator.

Because the insurer subtracts depreciation based on the age and condition of the damaged property, and an older roof can carry a large deduction even though replacement cost hasn't dropped. The older the item, the wider the gap. Checking how those percentages were applied is a good place to start a review.

Shoreline Public Adjusters is licensed in Florida (G199012), Minnesota (40962416), Wisconsin (21156868), North Dakota (3004392416), and South Dakota (SD does not issue license numbers). The valuation calculators work anywhere, but state rules such as Florida's hurricane deductible and condominium statutes apply only where they're written. If your property is in another state, look for a public adjuster licensed there.