A fried of mine got a new roof, fully covered by insurance, due to hail damage. 
His roof was by no means new at the time, but I don't know how exactly old it 
was. I was pretty surprised because I thought they all paid the depreciated 
value on a roof claim, just like they do when they total a car.

Allan


On Thu, Aug 5, 2021, at 9:51 AM, Mitch Haley via Mercedes wrote:
> On 2021-08-05 09:42, dan penoff.com via Mercedes wrote:
> > Typically 20 or so depending on the location and climate. It’s been my
> > experience that insurers will depreciate a roof over 20 years.
> 
> So if your perfectly good 22 year old shingles get damaged by hail, do 
> they just say 'it was time anyway, have fun paying for it yourself'?
> 
> Mitch
> 
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