The method
Each item is depreciated in a straight line, age divided by expected life, up to the cap you choose. Real estimates may use condition ratings, different lifespans or treat some items as non-depreciable, so use the result for planning.
Life expectancies you’ll often see
| Item | Typical range |
|---|---|
| Laminated (architectural) shingles | 25–30 years |
| Standing-seam metal roofing | 40–60 years |
| Concrete tile roofing | 40–50 years |
| Carpet and pad | 8–12 years |
| Interior paint | 8–12 years |
| Furnace | 15–20 years |
Collecting the holdback
Policies typically release recoverable depreciation after repairs are complete, within a time limit. Send final invoices and photos. The claim timeline planner can remind you before that window closes.
Questions about this calculator
Can labor be depreciated?
Practices differ by policy and jurisdiction. Ask your insurer to explain in writing how labor was treated in your estimate.
What if I decide not to repair?
Under many replacement cost policies, you keep the ACV payment but may not recover the depreciation that was held back.