Awais Khadim
Awais Khadim is the developer who built and maintains Roof Claim Calc: the calculator, the math behind its estimates, and the research behind the state insurance law pages.
Why he built it
He wanted a roof claim calculator that gives homeowners the same numbers the adjuster will produce, without a contractor referral attached to the answer. Most roof claim tools are built by parties who earn money when a claim gets filed. This one tells you plainly when a claim would pay little or nothing.
The calculator's math
The calculator applies straight-line depreciation by roofing material, capped at 80%. The useful-life figures and the cap are this calculator's own stated assumptions, not industry or legal standards, and a carrier's depreciation schedule may differ. Percentage deductibles are applied to the dwelling limit (Coverage A), not to the claim amount, and RCV policies are shown as two payments.
Every formula lives in one place in the code and is covered by automated tests. A missing or implausible input produces no verdict rather than a guess. How the math works →
The state-law research
The state pages follow a strict sourcing rule: a statute is cited only after it has been read in full at an official source, such as the state legislature's own website, and a court decision is cited only after the opinion itself has been read, not a summary of it. Anything not yet checked against a primary source is labelled "Not yet verified" on the page, and a state is marked as verified only after he has checked it personally.
What this site is not
Roof Claim Calc is not insurance or legal advice. It has no lead forms and no referral arrangements with contractors, adjusters, or insurers, and calculator inputs are never transmitted or stored. See the privacy policy.
Contact
Questions or corrections about the calculator, its math, or a state page: awaiskhadim2002@gmail.com