What a roof payment schedule is
A roof surfacing payment schedule (the name varies by carrier) replaces ordinary replacement cost settlement for the roof with a percentage that falls as the roof ages. A ten-year-old roof might be paid at well under full replacement cost even if the policy pays replacement cost for everything else.
Where appraisal fits
Appraisal can resolve the amount of loss — the full replacement cost of the roof and related items. It doesn’t rewrite the schedule. But because the schedule percentage applies to the appraised figure, an accurate replacement cost still matters. Measurement errors, missing accessories and the wrong shingle grade all shrink the base number.
Roof age disputes
Schedules make roof age a money question. Permits, invoices, real estate records and dated photos help establish when the roof was installed. Read more in our guide to roof payment schedules and cosmetic damage exclusions.
Questions about this tool
Is a roof payment schedule the same as ACV?
No. ACV subtracts depreciation that may be recoverable later. A schedule usually sets the final roof payment as a percentage, with nothing held back to recover.
Can appraisal change my schedule percentage?
Generally no. Appraisal decides the amount of loss; the endorsement then applies its percentage to that figure.
How do I prove my roof’s age?
Roofing invoices, permits, closing documents, inspection reports and dated photos are the usual evidence.