How depreciation is estimated here
This tool uses straight-line depreciation — age divided by expected life — capped at the maximum you choose. Real estimates may apply condition adjustments, different life expectancies or non-depreciable items such as permits, so treat the result as a planning figure.
Typical life expectancies used in estimates
| Item | Common range |
|---|---|
| 3-tab asphalt shingles | 20–25 years |
| Architectural shingles | 25–30 years |
| Interior paint | 8–12 years |
| Carpet | 8–12 years |
| Vinyl siding | 30–40 years |
| Water heater | 10–15 years |
Getting holdback released
Most policies pay recoverable depreciation once repairs are completed within a time limit. Send invoices and photos of completed work. Our claim deadline planner can remind you before that window closes.
Questions about this tool
Should labor be depreciated?
Practices and court decisions vary by state and policy. Check whether your estimate depreciates labor and ask your carrier to explain its approach in writing.
What if I don’t repair?
Under most replacement cost policies, you keep the ACV payment but may not recover the held-back depreciation.