Storm Damage Claim Calculator
Should I file my storm damage claim? Runs the ACV/RCV math + 5-year premium-impact penalty.
Best for: Insurance bloggers · roofing contractors · disaster recovery sites
Free widget library · CC-BY 4.0
27 production-grade home-renovation calculators you can drop into any blog post, contractor site, or news article in 10 seconds. Same math as our editorial calculators (we ship a fresh build every 2 weeks), each with a "Powered by HavenCostGuide" attribution link. Free forever under CC-BY 4.0.
Recommended · one-tag install
Drop these two lines into any HTML page. Replace {widget-slug} with the slug of any calculator below. Script auto-sizes the iframe, auto-inserts the attribution link, works on any CMS (WordPress, Webflow, Squarespace, plain HTML).
<div data-havencost="{widget-slug}"></div>
<script async src="https://havencostguide.com/widget.js"></script>Optional data-state="CA" attribute pre-fills the user's state. Need iframe-only (script tags are stripped by your CMS)? Each calculator card below has a fallback "Iframe" tab.
After install, your domain auto-appears at /embeds/installed-on/{your-domain} within a few hours — a public showcase of which widgets you're running.
Themed packs for specific audiences
Featured bundle · 4 calculators
Solar + HVAC + insulation + windows with a live 2026 IRA rebate overlay (25D, 25C, HEEHRA, HOMES).
Featured bundle · 4 calculators
Storm damage + repair-vs-replace + dwelling coverage + dispute with ACV/RCV/supplemental/O&L cheatsheet.
Featured bundle · 4 calculators
Kitchen + bathroom + painting + flooring with a 2025 NAR Cost-vs-Value ROI overlay.
Featured bundle · 5 calculators
Hardscape + deck + pool + fence + landscaping with a 5-phase contractor-build sequencing overlay.
Should I file my storm damage claim? Runs the ACV/RCV math + 5-year premium-impact penalty.
Best for: Insurance bloggers · roofing contractors · disaster recovery sites
Break-even math: contractor quote vs. (materials + tools + your hours × opp cost + rework risk).
Best for: DIY blogs · home-improvement YouTubers · personal-finance sites
10-year cost-of-ownership math comparing a targeted repair vs. a full replacement.
Best for: Roofing contractors · real-estate sites · home-maintenance blogs
HELOC vs home equity loan vs cash-out refi vs personal loan, side-by-side. Includes rate-reset trap.
Best for: Personal-finance sites · mortgage brokers · real-estate sites
Compares any contractor quote against the regional state × project benchmark and returns a 5-tier verdict in 30 seconds.
Best for: Home-improvement bloggers · real-estate sites · contractors needing transparency
Enter sale price, home condition, and state → get a state-adjusted ranked pre-listing project plan with a smart-spend cap (NAR + Zillow data).
Best for: Real-estate agent sites · MLS listing sites · home-selling blogs · personal-finance sites
4-tier dispute strategy (proceed / negotiate first / civil court / unwinnable) with state-specific small-claims limit + statute-of-limitations check.
Best for: Consumer-protection blogs · legal-aid sites · personal-finance forums · contractor-watchdog sites
3-factor ROI math: project cost vs. NAR Cost-vs-Value resale lift (time-decayed) vs. personal-use value. 5-tier verdict + over-improvement guardrail.
Best for: Real-estate sites · home-improvement bloggers · personal-finance forums
Live snapshot of 11 renovation cost categories, indexed to 2026 baseline. Updated every 2 weeks.
Best for: Data journalists · economics blogs · real-estate analysts
Reconstruction-cost math (Marshall & Swift + RSMeans 2026) with 15% post-disaster surge factor. 4-tier verdict: GOOD / OK / UNDERINSURED / DANGEROUSLY-UNDER.
Best for: Insurance bloggers · financial advisors · real-estate agents
State-aware estimate of bathroom remodel cost — fixtures, full reno, or wet-room conversion.
Best for: Bathroom remodelers · plumbing contractors · interior designers
State-aware estimate of kitchen remodel cost — refresh, mid-tier, or gut-remodel scope.
Best for: Kitchen remodelers · cabinet installers · countertop fabricators
State-aware estimate of full roof replacement cost — asphalt, metal, or premium materials.
Best for: Roofing contractors · storm/disaster recovery · insurance-claim blogs
State-aware estimate of deck build cost — composite, pressure-treated, or hardwood.
Best for: Deck builders · landscape contractors · outdoor-living blogs
State-aware estimate of flooring cost — hardwood, LVP, tile, carpet — per sqft × your area.
Best for: Flooring contractors · interior designers · home-staging blogs
State-aware estimate for in-ground pool installs — vinyl liner, fiberglass, or gunite/concrete — plus deck, fencing, and equipment.
Best for: Pool builders · landscape contractors · outdoor-living blogs · real-estate sites in warm-climate states
State-aware estimate for finishing an unfinished basement — framing, drywall, flooring, ceiling, egress, and full bath add-on.
Best for: Basement remodelers · general contractors · real-estate ROI blogs
State-aware estimate for whole-home or partial window replacement — double-pane, triple-pane, vinyl, fiberglass, or wood-clad.
Best for: Window installers · energy-efficiency blogs · cold-climate home blogs
State-aware estimate for residential rooftop solar — system-size, install type, plus federal 30% + state-incentive after-rebate math.
Best for: Solar installers · clean-energy blogs · personal-finance solar-ROI posts
State-aware estimate for new fence installation — wood, vinyl, chain-link, aluminum, or wrought iron — per linear foot × your perimeter.
Best for: Fence contractors · landscape contractors · outdoor-living blogs
State-aware estimate for interior or exterior painting — labor, paint, prep, and trim — per sqft × your area.
Best for: Painting contractors · interior designers · home-staging blogs
State-aware estimate for patios, walkways, retaining walls, and outdoor-living hardscape — pavers, flagstone, concrete, or natural stone.
Best for: Hardscape contractors · landscape architects · outdoor-living blogs
State-aware estimate for residential landscaping — design, planting, sod, irrigation, lighting, and softscape installation.
Best for: Landscape contractors · garden designers · real-estate curb-appeal blogs
State-aware estimate for replacing entry, patio, or interior doors — slab vs. pre-hung, plus storm door and hardware add-ons.
Best for: Door installers · entry-door manufacturers · home-improvement blogs
State-aware estimate for new HVAC installs — central AC, heat pump, or AC + furnace combo — plus federal 25C and state-rebate math.
Best for: HVAC contractors · energy-efficiency blogs · heat-pump advocacy sites
State-aware estimate for new furnace installs — gas, oil, propane, or electric — with 80% vs. 95%+ AFUE efficiency tier comparison.
Best for: HVAC contractors · cold-climate home blogs · energy-efficiency advocates
State-aware estimate for attic, wall, basement, or whole-home insulation — blown-in cellulose, fiberglass batts, or closed-cell spray foam.
Best for: Insulation contractors · energy-efficiency blogs · cold-climate home blogs
utm_source={your-domain} — appreciated, not required.Working on a story or research piece? See our press kit → with citation snippets and the underlying dataset.