Roof Depreciation Calculator
Enter your roof's age, original replacement cost, and material — see its remaining useful life, depreciated value, and what that means for an insurance claim payout. Built from straight-line depreciation methods used by Oklahoma homeowners insurers.
Calculate Your Roof's Depreciation
Adjust the inputs — remaining useful life, depreciated value, and claim guidance update instantly.
How It Works — 3 Simple Steps
Know Your Roof's Numbers
Enter your roof's age, material, and original replacement cost above. You'll instantly see remaining useful life, the depreciation percentage, and the Actual Cash Value an insurer would use as the starting point for a claim settlement.
Document & File
If hail or wind damaged your roof, document everything before filing. We provide a free inspection checklist and can photograph, document, and work directly with your adjuster — call (918) 734-4444.
Replace & Recover Full Value
With an RCV policy, the depreciated amount is typically recoverable after the roof is replaced and documented. We handle the paperwork, supplements, and final invoice so you recover every dollar you're owed. See our insurance claims guide. Get a free roof estimate from Proof Construction. Explore all roofing solutions from Proof Construction.
Frequently Asked Questions
Quick Answers
How is roof depreciation calculated for insurance claims? Most Oklahoma policies depreciate a roof in straight line over its expected useful life: depreciation % = roof age ÷ expected life. A 15-year-old architectural shingle roof (30-year expected life) is 50% depreciated, so an Actual Cash Value settlement would be roughly half of the replacement cost. Use the calculator above for your exact numbers, then call (918) 734-4444 for a free claim review.
How do I get the full replacement cost instead of a depreciated payout? Choose an RCV (Replacement Cost Value) policy, file within your policy timeline, and complete the repairs with a licensed roofer — then submit invoices and photos to recover the withheld depreciation. Proof Construction documents the entire process and works directly with adjusters, including supplement requests. Get started by calling (918) 734-4444 or visiting our contact page.
What is the difference between Actual Cash Value (ACV) and Replacement Cost Value (RCV)? Replacement Cost Value (RCV) is what it costs to replace your roof today. Actual Cash Value (ACV) is RCV minus depreciation — the amount you typically receive up front on a claim. On most RCV policies, the depreciated amount is recoverable once repairs are completed and documented. Proof Construction helps Tulsa homeowners document work so they recover the full RCV.
Will my insurance pay for a roof that is fully depreciated? Age alone usually isn't covered — a roof that has reached the end of its expected life is typically excluded for wear and tear. But sudden storm damage (hail or wind) is a covered peril regardless of roof age in most Oklahoma policies. If your roof is fully depreciated but was hit by hail, a free inspection can document the damage and determine whether your claim qualifies.
How long do different roofing materials last in Oklahoma? Typical expected useful lives used by Oklahoma insurers: 3-tab asphalt shingles about 20 years, architectural shingles 25–30 years, metal standing seam 40–60 years, and tile or slate 50+ years. Oklahoma's hail, wind, and heat can shorten actual lifespans, which is why a professional inspection matters before a claim.
