How depreciation is modeled
Each line uses straight-line depreciation — age divided by expected life — limited by the cap you choose. Real estimates may use condition adjustments or treat some items, such as permits or debris removal, as non-depreciable, so treat the output as a planning figure.
The labor question
Whether labor can be depreciated has been argued in courts across the country, and answers differ by state, policy form and endorsement. The toggle lets you see the difference both ways. If labor depreciation is a large share of your holdback, ask the carrier to explain its basis in writing.
Common life expectancies in estimates
| Item | Typical range |
|---|---|
| Laminated (architectural) shingles | 25–30 years |
| Impact-resistant Class 4 shingles | 30+ years |
| Gutters and downspouts | 20–30 years |
| Interior paint | 8–12 years |
| Carpet | 8–12 years |
| Central HVAC condenser | 12–18 years |
Collecting the holdback
Most policies release recoverable depreciation once repairs are finished within a set window. Put that date on your calendar with the claim timeline planner.
Questions about this tool
What if my roof is paid on a schedule instead?
Many Oklahoma policies settle roofs on an age-based payment schedule rather than RCV/ACV. Use the roof payment schedule calculator for that situation.
What happens if I don’t repair?
Under most replacement cost policies you keep the ACV payment but may not recover the held-back depreciation.
Is my data saved?
No. Everything runs in your browser and nothing is stored or sent.