Roof Depreciation Calculator

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.

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.

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.

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.

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.