Insurance Out-of-Pocket Estimator
See roughly what a restoration claim could leave you paying out of pocket from three figures — your policy limit, the damage amount and your deductible. This is illustrative math, not insurance advice.
Calculator
With a $20,000.00 policy limit, $15,000.00 of damage and a $1,000.00 deductible, your out-of-pocket is about $14,000.00 and the insurer pays about $14,000.00. This is illustrative math on the figures you enter, not insurance advice — what is actually covered depends on your policy; confirm with your insurer/adjuster.
A property claim pays the covered loss — the lesser of the actual damage and your policy limit — minus your deductible, which you always absorb first. This tool turns those three numbers into a simple picture of what the insurer pays and what falls to you. It is a pure identity on the figures you type: it holds no rates, no policy rules and no opinion about whether your loss is actually covered.
Formula
out_of_pocket = max(0, min(covered_loss, damage) − deductible)
The covered amount is the smaller of the limit and the damage; you subtract the deductible; and the result is floored at zero (a deductible larger than the covered amount cannot go negative — it just means the claim pays nothing).
Worked example
A $20,000 limit, $15,000 of damage and a $1,000 deductible:
max(0, min($20,000, $15,000) − $1,000) = $15,000 − $1,000 = $14,000
The insurer pays $14,000 and you cover the $1,000 deductible. If the damage exceeded the limit, the covered amount would cap at the limit and everything above it would also fall to you.
What this deliberately ignores
Real claims are more complex than this identity. Coverage depends on the peril (a sudden burst pipe is often covered; long-term seepage, flood and sewer backup frequently are not without specific endorsements), on depreciation and replacement-cost terms, on sub-limits, and on how the adjuster values the loss. Flood in particular usually needs separate flood insurance. This tool models none of that — it just does the deductible arithmetic on the numbers you provide.
Use it to sanity-check a settlement or to budget the gap, then confirm everything with your insurer or adjuster. It is illustrative math, not insurance or legal advice.