Compare the deductible and roof terms together.

Change hypothetical numbers to compare two policy structures. This is educational arithmetic, not a quote or claim estimate. Use the deductible basis from the actual policy; it is not necessarily the sale price.

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Money inputs are rounded to the nearest cent, with an exact half cent rounded up. Percentage deductibles use decimal arithmetic and the same half-up cent rule. Your policy may specify another method. Both options assume the same covered repair amount and depreciation. This model ignores policy limits, exclusions, special roof schedules and other conditions. Replacement cost payments may be staged; later recovery depends on repair, proof and deadline requirements. Dwelling replacement cost does not guarantee roof replacement cost.

Texas contractors cannot legally waive your home insurance deductible. This tool has no submission, storage or tracking integration. Changing inputs clears previous results until you compare again.