Should you file that roof claim? Do the math first.
Insurance is a numbers game — and the numbers are almost never what your carrier or the door-knocker tells you. Plug in your real figures and see what actually lands in your pocket.
Inputs
Payout meaningfully exceeds your deductible. Document damage, prep for the adjuster, and don't sign an AOB.
Clean history — a legitimate claim here is unlikely to change your renewal terms.
What the numbers actually mean in New Mexico.
Your carrier pays ACV first (RCV minus depreciation). You only get the depreciation back after the work is done and invoiced — with matching product and code-compliant scope.
A 2% wind/hail deductible on a $400K house is $8,000 — not $1,000. Check your dec page before you assume the deductible you 'remember.'
NM carriers weight claim frequency more than severity. Two small claims hurt worse than one large one. Don't burn a claim on a $500 net benefit.
Educational tool only. Not insurance advice, not a settlement offer, and not a substitute for reading your policy. Numbers are estimates based on your inputs.
Not sure if it's a claim? Send me a photo before you call your carrier.
Book the free on-site inspection, or send a photo and we'll tell you what to do next. No sales pitch — we don't install roofs.