Claim Calculators & Tools
Make sense of your insurance estimate. Use our professional calculators to check the math on depreciation, coinsurance, and actual cash value before you accept a settlement.
Available Tools
Coinsurance penalty calculator
Compare the insurance carried with the amount required, then see how a proportional payment changes the result.
Wind and hail percentage deductible calculator
Turn a percentage deductible into dollars, including separate commercial buildings.
80 percent replacement cost rule calculator
Compare a home's Coverage A limit with its replacement cost and explore the underinsured branch.
Actual cash value and depreciation calculator
Review depreciation line by line, compare the first check with potential holdback, and keep a worksheet on your device.
Additional living expense calculator
Estimate displacement costs, compare Coverage D limits and keep a private expense ledger on your device.
Business income worksheet
Project business income and extra expense, then compare waiting periods, policy limits and coinsurance.
Ordinance or law calculator
Illustrate ordinance or law coverage, code-driven construction costs and substantial-damage thresholds.
Texas prompt payment deadline calculator
Map Texas claim-notice, decision and payment dates to the applicable prompt-payment provisions.
Frequently Asked Questions
Are these calculators accurate?
These calculators illustrate the formulas described on each page using your inputs. Some branches require a policy review. They are not a settlement promise: your policy language and the documented facts of the loss control.
Does using a tool mean you represent me?
No. Using our free online tools does not establish a public adjuster relationship. We only represent policyholders after a written agreement is signed and filed according to state regulations.
Will my data be sold?
No. Your inputs in these calculators remain in your browser until you explicitly choose to submit them for a free claim review. We do not sell data to third parties.
Why should I submit my numbers for review?
Insurance companies often apply deductibles, depreciation, and coinsurance penalties in ways that favor them. A free professional review helps identify whether your insurer's estimate is missing scope or misapplying policy provisions.
Educational illustration based on your inputs. Not legal, coverage or claim advice. Your policy language controls.
Crossroads Insurance Recovery Advocates, Texas public adjuster entity license #1924788