# ReplaceCost

> Free, browser-based home replacement cost calculators and plain-language insurance payout guidance for US homeowners. Estimates are planning ranges, not contractor quotes, appraisals, tax advice, or coverage decisions.

ReplaceCost covers roof, solar, HVAC, windows, water heaters, siding, gutters, flooring, and the difference between replacement cost value (RCV) and an actual cash value (ACV) insurance payment. Calculator inputs remain in the visitor's browser.

Written and maintained by Mantu Kumar, founder and editor. Not a contractor, insurance adjuster, engineer or licensed insurance professional; the site publishes research and arithmetic with sources linked, and says so on every page.

## Calculators

- [Roof replacement cost calculator](https://replacecost.com/roof/): Itemized roof scope, regional pricing, material, pitch, removal, and insurance-aware estimates.
- [Texas roof replacement cost calculator](https://replacecost.com/roof/texas/): Texas regional starting point, roof squares, ACV/RCV payout scenarios, wind or hail deductible context, and coastal windstorm checks.
- [Solar cost and payback calculator](https://replacecost.com/solar/): Installed system range, electricity savings, incentives, roof timing, and modeled payback.
- [HVAC replacement cost calculator](https://replacecost.com/hvac/): System size, efficiency, equipment, ductwork, regional labor, and insurance assumptions.
- [Window replacement cost calculator](https://replacecost.com/windows/): Per-window and whole-house estimates by material, style, quantity, and installation complexity.
- [Water heater replacement cost calculator](https://replacecost.com/water-heater/): Tank and tankless planning ranges with fuel, capacity, access, and code-related work.
- [Siding replacement cost calculator](https://replacecost.com/siding/): Material, wall area, removal, trim, stories, and regional labor assumptions.
- [Gutter replacement cost calculator](https://replacecost.com/gutters/): Linear-foot estimates covering material, stories, removal, downspouts, and guards.
- [Flooring replacement cost calculator](https://replacecost.com/flooring/): Material, room area, removal, subfloor, transitions, and insurance-related depreciation.
- [Insurance claim gap calculator](https://replacecost.com/claim-gap/): Compares replacement scope, depreciation, deductible, ACV first check, and possible RCV recoverable depreciation.

## Guides

- [Roof damage: what to do first](https://replacecost.com/roof-damage/): The first 24 hours after roof damage, documenting a loss, sizing it against the deductible before filing, repair versus replacement, and contractor red flags.
- [Homeowners insurance, ACV, and RCV](https://replacecost.com/insurance/): How roof claims, exclusions, deductibles, depreciation, and recoverable depreciation typically work.
- [Texas roof cost and insurance guide](https://replacecost.com/roof/texas/): Texas-specific roof pricing factors, separate wind or hail deductibles, contractor law, and coastal windstorm considerations.
- [Roof cost by square footage](https://replacecost.com/roof/cost-by-square-footage/): Planning ranges for common roof sizes and the inputs that move the total.
- [Roof permits and inspections](https://replacecost.com/roof/permits/): Situations that commonly require permits and what to verify locally.
- [Roof grants and assistance](https://replacecost.com/roof/grants-and-assistance/): Programs homeowners can investigate without promising eligibility.
- [Roof taxes and financing](https://replacecost.com/roof/taxes-and-financing/): General tax treatment and financing options with appropriate cautions.

## Method and policies

- [Calculator methodology](https://replacecost.com/methodology/): Trade units, line items, range logic, regional factors, insurance model, primary sources, review cycle, and limitations.
- [Editorial policy](https://replacecost.com/editorial-policy/): Named authorship, evidence hierarchy, error-report procedure, dating rules, conflicts of interest, advertising independence, and responsible use of AI assistance.
- [About ReplaceCost](https://replacecost.com/about/): Who writes the site, what the author is and is not qualified to say, why it exists, and how it separates planning figures from quotes or coverage decisions.
- [Contact and corrections](https://replacecost.com/contact/): Questions, corrections, and feedback.
- [Privacy policy](https://replacecost.com/privacy/): Local calculator storage, advertising, analytics, and privacy choices.
- [XML sitemap](https://replacecost.com/sitemap.xml): Complete list of indexable public pages.

## Primary reference standards

- [NAIC consumer guidance on ACV and replacement cost](https://content.naic.org/article/whats-difference-between-actual-cash-value-coverage-and-replacement-cost-coverage): Insurance terminology and settlement concepts.
- [IRS energy tax guidance](https://www.irs.gov/newsroom/working-families-tax-cuts): Current federal energy-credit rules.
- [BLS Producer Price Index](https://www.bls.gov/ppi/): Construction price movement context.

## Important interpretation notes

- Written policies, endorsements, exclusions, deductibles, local codes, contractor quotes, and claim facts control real outcomes.
- ACV generally reflects depreciation; RCV recovery can depend on policy terms and completed repairs.
- Each calculator lists its assumptions so visitors can compare the result with local written quotes.