Replacement Cost Value
Calculator (RCV)
Oklahoma Insurance Tool
Replacement Cost
Value Calculator
2025 Oklahoma construction data & insurance claim records
Independent Insurance Broker
(918) 816-9927
(918) 816-9927
```
```
01 Property Basics
02 Construction Type
03 Finish Quality
Standard / Builder Grade
Basic fixtures, vinyl flooring, stock cabinets
Mid-Range
Granite counters, hardwood floors, upgraded fixtures
Premium / Semi-Custom
Custom millwork, high-end appliances, tile baths
Luxury / Custom
Bespoke finishes, smart home, designer everything
04 Roof Details
⚠️ Oklahoma Roof Alert: 85% of OK homeowner claims are roof-related.
Roofs 15+ years old are typically settled at Actual Cash Value (ACV) — not full replacement cost —
by most Oklahoma carriers. Independent brokers can often find RCV-inclusive policies.
05 Additional Features
Oklahoma Insurance Tool
Replacement Cost
Value Calculator
2025 Oklahoma construction data & insurance claim records
Independent Insurance Broker
(918) 816-9927
(918) 816-9927
```
```
01 Property Basics
02 Construction Type
03 Finish Quality
Standard / Builder Grade
Basic fixtures, vinyl flooring, stock cabinets
Mid-Range
Granite counters, hardwood floors, upgraded fixtures
Premium / Semi-Custom
Custom millwork, high-end appliances, tile baths
Luxury / Custom
Bespoke finishes, smart home, designer everything
04 Roof Details
⚠️ Oklahoma Roof Alert: 85% of OK homeowner claims are roof-related.
Roofs 15+ years old are typically settled at Actual Cash Value (ACV) — not full replacement cost —
by most Oklahoma carriers. Independent brokers can often find RCV-inclusive policies.
05 Additional Features
{/* ── HEADER ── */}
Replacement Cost
```
{/* ── FORM ── */}
{/* Basic Info */}
setSqft(e.target.value)}
min={100}
max={20000}
/>
setYearBuilt(e.target.value)}
min={1900}
max={2025}
/>
{/* Construction */}
({
id: k, label: v.label,
badge: v.factor === 1.00 ? "Most Common" : null,
}))}
selected={construction}
onSelect={setConstruction}
/>
{/* Quality */}
setQuality(k)}
/>
))}
{/* Roof */}
{/* Extras */}
{/* CTA */}
{/* ── RESULTS ── */}
{result && (
{/* Breakdown bars */}
)}
```
);
}
// ── SUB-COMPONENTS ─────────────────────────────────────────────────────────────
function Field({ label, children }) {
return (
Oklahoma Insurance
Replacement Cost
Value Calculator
Built on 2025 Oklahoma construction data & insurance claim records
01 Property Basics
02 Construction Type
03 Finish Quality
{Object.entries(QUALITY_LEVELS).map(([k, v]) => (04 Roof Details
⚠️ Oklahoma Roof Note: 85% of OK homeowner claims are roof-related.
Roofs 15+ years old are typically covered at ACV (not full replacement cost) by most OK insurers.
05 Additional Features
{EXTRAS.map((e) => (
toggleExtra(e.id)}
/>
))}
Estimated Replacement Cost Value
{fmt(result.totalRCV)}
≈ {fmt(result.totalRCV / result.sqft)} per sq ft · {result.sqft.toLocaleString()} sq ft home
Cost Breakdown
Recommended Coverage Levels
🌪️ Oklahoma-Specific Factors
Wind/Hail Deductible (est. 2%):{" "}
{fmt(result.windHailDeductible)} out-of-pocket before coverage kicks in
Roof Coverage Status: {result.ageNote}
SoonerSafe Rebate: Up to $3,000 for FEMA-approved safe rooms (2025 program)
FORTIFIED Home Discount: 10–30% premium reduction available
2024 Loss Ratio: OK insurers paid $97 per $100 of premium collected — ensure adequate coverage
This estimate is based on 2025 Oklahoma construction cost data, NAHB benchmarks, and OID insurance records.
It is intended as a planning guide only — not a substitute for a professional appraisal or insurer's replacement cost estimator.
Actual costs vary by contractor, material availability, and site conditions.
{children}
);
}
function Select({ value, onChange, options }) {
return (
);
}
function CardGroup({ options, selected, onSelect }) {
return (
{options.map((o) => (
))}
);
}
function QualityRow({ id, label, desc, selected, onSelect }) {
return (
{label}
{desc}
{label}
{fmt(value)}
{highlight &&
);
}
// ── STYLES ─────────────────────────────────────────────────────────────────────
const styles = {
page: {
fontFamily: “‘Georgia’, ‘Times New Roman’, serif”,
background: “#1a1108”,
minHeight: “100vh”,
color: “#f5ede0”,
},
header: {
background: “linear-gradient(135deg, #8b2500 0%, #c45c1a 50%, #8b4513 100%)”,
padding: “48px 32px 56px”,
position: “relative”,
overflow: “hidden”,
},
headerInner: { position: “relative”, zIndex: 2, maxWidth: 720, margin: “0 auto” },
headerOrnament: {
position: “absolute”, bottom: -40, right: -40,
width: 220, height: 220,
borderRadius: “50%”,
background: “rgba(255,255,255,0.04)”,
zIndex: 1,
},
badge: {
display: “inline-block”,
background: “rgba(255,255,255,0.15)”,
border: “1px solid rgba(255,255,255,0.3)”,
borderRadius: 4,
padding: “4px 12px”,
fontSize: 11,
letterSpacing: “0.12em”,
textTransform: “uppercase”,
marginBottom: 16,
fontFamily: “‘Trebuchet MS’, sans-serif”,
},
title: {
fontSize: “clamp(32px, 5vw, 52px)”,
fontWeight: 700,
margin: “0 0 8px”,
lineHeight: 1.1,
letterSpacing: “-0.01em”,
},
titleAccent: { color: “#ffd4a0” },
subtitle: {
fontSize: 14,
opacity: 0.8,
margin: 0,
fontFamily: “‘Trebuchet MS’, sans-serif”,
fontStyle: “italic”,
},
main: {
maxWidth: 760,
margin: “0 auto”,
padding: “32px 20px 60px”,
},
form: {},
section: {
background: “#261a0e”,
border: “1px solid #3d2a15”,
borderRadius: 10,
padding: “24px 24px 20px”,
marginBottom: 18,
},
sectionTitle: {
fontSize: 14,
fontFamily: “‘Trebuchet MS’, sans-serif”,
textTransform: “uppercase”,
letterSpacing: “0.1em”,
color: “#e8a87c”,
margin: “0 0 18px”,
display: “flex”,
alignItems: “center”,
gap: 10,
},
num: {
display: “inline-block”,
background: “#c45c1a”,
color: “#fff”,
borderRadius: 4,
padding: “1px 8px”,
fontSize: 12,
fontWeight: 700,
},
grid2: { display: “grid”, gridTemplateColumns: “1fr 1fr”, gap: 14 },
label: {
display: “block”,
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
textTransform: “uppercase”,
letterSpacing: “0.08em”,
color: “#c49060”,
marginBottom: 6,
},
input: {
width: “100%”,
background: “#1a1108”,
border: “1px solid #4a3520”,
borderRadius: 6,
color: “#f5ede0”,
padding: “10px 12px”,
fontSize: 15,
fontFamily: “‘Georgia’, serif”,
boxSizing: “border-box”,
outline: “none”,
},
select: {
width: “100%”,
background: “#1a1108”,
border: “1px solid #4a3520”,
borderRadius: 6,
color: “#f5ede0”,
padding: “10px 12px”,
fontSize: 14,
fontFamily: “‘Trebuchet MS’, sans-serif”,
boxSizing: “border-box”,
cursor: “pointer”,
outline: “none”,
},
cardGroup: { display: “flex”, flexWrap: “wrap”, gap: 10 },
card: {
background: “#1a1108”,
border: “1px solid #4a3520”,
borderRadius: 7,
color: “#d4b08a”,
padding: “10px 16px”,
cursor: “pointer”,
fontSize: 13,
fontFamily: “‘Trebuchet MS’, sans-serif”,
display: “flex”,
flexDirection: “column”,
gap: 4,
alignItems: “flex-start”,
transition: “all 0.15s”,
},
cardActive: {
background: “#5c2a0a”,
border: “1px solid #c45c1a”,
color: “#ffd4a0”,
},
cardBadge: {
fontSize: 10,
background: “#c45c1a”,
color: “#fff”,
borderRadius: 3,
padding: “1px 6px”,
letterSpacing: “0.06em”,
textTransform: “uppercase”,
},
qualityRow: {
display: “flex”,
alignItems: “center”,
gap: 14,
padding: “12px 14px”,
borderRadius: 7,
border: “1px solid transparent”,
cursor: “pointer”,
marginBottom: 6,
transition: “all 0.12s”,
},
qualityRowActive: {
background: “#3d1e08”,
border: “1px solid #c45c1a”,
},
qualityDot: (active) => ({
width: 14, height: 14,
borderRadius: “50%”,
border: “2px solid “ + (active ? “#c45c1a” : “#4a3520”),
background: active ? “#c45c1a” : “transparent”,
flexShrink: 0,
transition: “all 0.12s”,
}),
qualityLabel: { fontSize: 14, color: “#f5ede0”, fontWeight: 600 },
qualityDesc: { fontSize: 12, color: “#8a6540”, fontFamily: “‘Trebuchet MS’, sans-serif”, marginTop: 2 },
roofNote: {
background: “#2a1400”,
border: “1px solid #6b3210”,
borderLeft: “4px solid #c45c1a”,
borderRadius: 6,
padding: “10px 14px”,
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#e8a87c”,
lineHeight: 1.5,
marginTop: 12,
},
extrasGrid: { display: “grid”, gridTemplateColumns: “repeat(auto-fill, minmax(210px, 1fr))”, gap: 8 },
chip: {
background: “#1a1108”,
border: “1px solid #4a3520”,
borderRadius: 7,
color: “#c49060”,
padding: “10px 12px”,
cursor: “pointer”,
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
display: “flex”,
justifyContent: “space-between”,
alignItems: “center”,
gap: 8,
transition: “all 0.12s”,
textAlign: “left”,
},
chipActive: {
background: “#4a1e06”,
border: “1px solid #c45c1a”,
color: “#ffd4a0”,
},
chipCost: { fontSize: 11, opacity: 0.75, whiteSpace: “nowrap” },
calcBtn: {
width: “100%”,
padding: “18px”,
background: “linear-gradient(135deg, #8b2500, #c45c1a)”,
color: “#fff”,
border: “none”,
borderRadius: 8,
fontSize: 16,
fontFamily: “‘Trebuchet MS’, sans-serif”,
fontWeight: 700,
letterSpacing: “0.04em”,
cursor: “pointer”,
marginTop: 8,
transition: “opacity 0.15s”,
},
results: {
marginTop: 28,
transition: “transform 0.3s ease”,
},
pop: { transform: “scale(1.005)” },
rcvBanner: {
background: “linear-gradient(135deg, #8b2500 0%, #c45c1a 60%, #8b4513 100%)”,
borderRadius: 12,
padding: “32px 28px”,
textAlign: “center”,
marginBottom: 20,
},
rcvLabel: {
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
textTransform: “uppercase”,
letterSpacing: “0.14em”,
opacity: 0.8,
marginBottom: 8,
},
rcvValue: {
fontSize: “clamp(36px, 8vw, 56px)”,
fontWeight: 700,
letterSpacing: “-0.02em”,
marginBottom: 6,
},
rcvSub: { fontSize: 13, opacity: 0.75, fontFamily: “‘Trebuchet MS’, sans-serif” },
breakdownTitle: {
fontSize: 11,
fontFamily: “‘Trebuchet MS’, sans-serif”,
textTransform: “uppercase”,
letterSpacing: “0.14em”,
color: “#c49060”,
marginBottom: 12,
paddingLeft: 4,
},
barRow: {
display: “flex”,
alignItems: “center”,
gap: 12,
marginBottom: 10,
},
barLabel: {
width: 190,
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#d4b08a”,
flexShrink: 0,
},
barTrack: {
flex: 1,
height: 10,
background: “#261a0e”,
borderRadius: 5,
overflow: “hidden”,
},
barFill: {
height: “100%”,
borderRadius: 5,
transition: “width 0.8s cubic-bezier(.25,.46,.45,.94)”,
},
barValue: {
width: 90,
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#f5ede0”,
textAlign: “right”,
flexShrink: 0,
},
covTitle: {
fontSize: 11,
fontFamily: “‘Trebuchet MS’, sans-serif”,
textTransform: “uppercase”,
letterSpacing: “0.14em”,
color: “#c49060”,
margin: “24px 0 12px”,
paddingLeft: 4,
},
covGrid: { display: “grid”, gridTemplateColumns: “1fr 1fr”, gap: 14, marginBottom: 20 },
covCard: {
background: “#261a0e”,
border: “1px solid #3d2a15”,
borderRadius: 10,
padding: “18px 16px”,
},
covCardHL: {
background: “#3d1e08”,
border: “2px solid #c45c1a”,
},
covBadge: {
fontSize: 10,
fontFamily: “‘Trebuchet MS’, sans-serif”,
letterSpacing: “0.1em”,
color: “#c45c1a”,
fontWeight: 700,
marginBottom: 6,
},
covCardLabel: {
fontSize: 11,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#c49060”,
marginBottom: 6,
textTransform: “uppercase”,
letterSpacing: “0.06em”,
},
covCardValue: {
fontSize: 22,
fontWeight: 700,
letterSpacing: “-0.01em”,
marginBottom: 4,
},
covCardNote: {
fontSize: 11,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#8a6540”,
fontStyle: “italic”,
},
okNotes: {
background: “#1e1208”,
border: “1px solid #3d2a15”,
borderRadius: 10,
padding: “18px 20px”,
marginBottom: 16,
},
okNotesTitle: {
fontSize: 13,
fontFamily: “‘Trebuchet MS’, sans-serif”,
fontWeight: 700,
color: “#e8a87c”,
marginBottom: 12,
textTransform: “uppercase”,
letterSpacing: “0.06em”,
},
okNoteItem: {
fontSize: 12,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#b08060”,
lineHeight: 1.6,
marginBottom: 6,
paddingLeft: 12,
borderLeft: “2px solid #4a2a10”,
},
disclaimer: {
fontSize: 11,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#6a4a2a”,
fontStyle: “italic”,
lineHeight: 1.6,
borderTop: “1px solid #2a1a08”,
paddingTop: 14,
marginTop: 8,
},
footer: {
textAlign: “center”,
padding: “20px”,
fontSize: 11,
fontFamily: “‘Trebuchet MS’, sans-serif”,
color: “#4a3020”,
borderTop: “1px solid #2a1a08”,
},
};
✓ RECOMMENDED
}
{label}
{value}
{note}
Replacement Cost Value Calculator
The Replacement Cost Value Calculator estimates potential home rebuild costs using publicly available construction data and regional cost factors. It is designed to help homeowners understand how square footage, construction type, roof age, finish quality, and structural features influence replacement cost calculations commonly considered during coverage review.
The calculator is informational in nature and intended to support understanding of rebuild cost components rather than determine insurance coverage, premiums, or claim outcomes.
How Replacement Cost Estimates Are Developed
Replacement cost estimates are developed using aggregated construction‑cost data and standardized valuation factors commonly referenced in insurance coverage review. Inputs such as square footage, construction type, roof age, finish quality, and structural features are applied using regional cost ranges derived from publicly available building‑cost research, national builder associations, and state‑level insurance guidance.
The calculator reflects how rebuild costs are typically evaluated at a high level, rather than replicating carrier‑specific underwriting models or claims settlement software. Cost ranges are periodically reviewed to reflect changes in labor availability, material pricing, and regional construction conditions.
Because actual rebuild costs vary by site conditions, contractor pricing, code requirements, and market volatility, results are presented as estimates for educational and coverage‑review purposes only.
Legals
This calculator is provided for general informational and educational purposes only. It estimates potential home rebuild costs using publicly available construction data and regional cost factors. Results are not a guarantee of coverage, rebuild cost, or claim payment.
Explicit non‑advice disclaimer
This tool does not provide insurance, legal, tax, or claims‑handling advice. Coverage decisions, policy terms, and claim outcomes are governed solely by the applicable insurance policy and carrier determination.
No reliance Clause
Users should not rely on this estimate as the sole basis for selecting coverage limits or making insurance decisions. Actual rebuild costs may vary significantly based on materials, labor availability, code requirements, and site‑specific conditions.
Claims-specific limitations
This calculator is not a claims settlement tool and does not reflect line‑item pricing, depreciation, or carrier‑specific valuation methods used during claims adjustment.
Data source transparency
Estimates are based on aggregated construction‑cost data from publicly available sources, including national builder associations, consumer construction cost databases, and regional insurance guidance. These sources are subject to change and may not reflect current market conditions.
Jurisdiction & licensing boundary
Storms Anchor Insurance is licensed in certain states. This tool does not constitute an offer of insurance or services in any jurisdiction where Storms Anchor Insurance is not licensed.
Limitation of liability clause
To the fullest extent permitted by law, Storms Anchor Insurance disclaims liability for any loss, damage, or claim arising from the use of this calculator or reliance on its results.