Roof Depreciation Calculator

Actual Cash Value, Replacement Cost and Recoverable Depreciation

Insurers value a damaged roof by taking its replacement cost and subtracting depreciation for age and wear, and this calculator shows exactly how that arithmetic lands on your settlement. Enter the replacement cost, the roof age and the expected life schedule for your material, and it applies straight line depreciation to produce the depreciation percentage and dollar amount, the actual cash value, the likely first payment after your deductible, and the recoverable depreciation a replacement cost policy should release once the work is finished and invoiced. You can also enter a depreciation cap, since many policies limit how far a roof can be depreciated. The difference between actual cash value and replacement cost settlement is the single most expensive line in your policy on an older roof, and this is the fastest way to see it in real numbers before you call the carrier. Educational estimate only, not insurance advice.