Asphalt shingles? Depending what grade of shingle was used, they are good for 
20-30 years. So I'd guess a 2004 roof would be getting close to fully 
depreciated.

Allan

On Wed, Aug 4, 2021, at 9:56 PM, Kaleb Striplin via Mercedes wrote:
> Actually I think I am going to be screwed on the rental house.  I have 
> it insured as a rental property rather than homeowners. I got to reading 
> the policy and it looks like it covers ACV, so replacement cost less 
> depreciation.  Roof is original to the house, so 2004.  Not sure how 
> much it will be depreciated.  This house does not mention anything about 
> ACV.
> 
> On 8/4/2021 7:38 PM, Kaleb Striplin via Mercedes wrote:
> > I have finally gotten around to having a couple of different roofing 
> > companies come out to look at both houses to give a quote and figure 
> > out how to proceed with possible insurance claims with USAA.  To 
> > recap, after 20 years with them and exactly no claims on houses, they 
> > have literally doubled the premiums in the last 2 years.  If all goes 
> > like I hope I will get them to replace the roof (s) they dump them.  
> > This article here is further proof USAA is truly a turd insurance 
> > company these days.  Quite sad as they used to be WAY cheaper than 
> > anyone else and WAY better service.
> >
> >
> > https://dentonrc.com/news/the_watchdog/the-watchdog-what-happened-to-usaa-why-is-it-denying-some-storm-claims-that-should/article_371ea8fa-300c-580f-b6eb-2692afe1c1c3.html
> >  
> >
> >
> >
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