The schedule

Roof payment schedules: the age table that can cap your whole claim.

Somewhere in your policy's endorsements may sit a table: your roof's age down one side, its material across the top, and a percentage where they meet. If it's there, it — not the depreciation math — decides what your roof claim pays. This guide reads the table, runs the numbers, and maps the counters.

Anatomy of the table

The endorsement's table has three axes: age bands down the side (0–5 years, 6–10, and so on), material across the top (composition, metal, tile, slate — better materials depreciate slower), and percentages in the cells. A published carrier example: a composition roof loses about 4 points a year and bottoms out at 25% at 19 years. Metal and tile schedules run slower. The percentage in your cell is what the carrier pays toward replacement — full stop: no completion proof changes it, and there is no holdback to release because nothing was 'held.'

Schedule vs. recoverable depreciation — the fork

Recoverable depreciationPayment schedule
Second payment?Yes — on completion proofNo — the percentage is the settlement
What decides the moneyThe estimate's depreciation + your proofRoof age + material, from the table
Your countersProof packet, extension, state floorDocumentation errors (install date, material), non-roof scope, appraisal on the rest

The fork matters because the advice differs completely. A homeowner on a schedule who spends three months assembling a 'proof packet' is chasing a check the contract never wrote. The checker asks the schedule question up front for this reason.

The counters, honestly

Run your own numbers. The free checker takes your state, your dates, and the figures on the insurer's estimate — and returns the dollars still held back, your real deadline, and the next document to send. Run the checker →

The working papers for this fight

The pages above are the map. The kit is the paperwork: the proof packet that releases the money, the letters that protect the clocks, and the complaint pack for when the stall continues.

Included in the $39 DepreciationDecoded Kit

  • The state inserts: the labor-depreciation challenge and matching-law lines for your state, quoted from the dataset with their citations, ready to paste into any letter above
  • The supplement request pack: how to document missed line items and code-required items, catch depreciation applied twice to the same line, and argue overhead and profit on multi-trade jobs — in the estimate's own line-item language
  • The deadline calendar worksheet: notice date, completion date, living-expense end, suit deadline — your dates entered once, every clock on one page
Get the $39 DepreciationDecoded Kit

One payment, yours to keep. We never ask you to upload your policy — you file everything yourself. See everything inside the kit →

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