{
  "name": "Published roof payment schedules (wind and hail roof losses)",
  "checked": "2026-10-22",
  "publisher": "Chicago Storm Pros (C&N Construction, Inc.)",
  "page": "https://chicagostormpros.com/insurance/roof-payment-schedule-recoverable-depreciation/",
  "warning": "These are percentages printed in specific published forms filed in other states or posted by an agency. We could not locate the Illinois filings. Percentages, ages, and the losses they apply to can differ by state and by policy. The policy declarations and endorsements are the controlling documents. This is information, not insurance or legal advice.",
  "schedules": [
    {
      "id": "farmers-smart-plan-home-scheduled-roof-payment",
      "carrier": "Farmers",
      "form": "Farmers Smart Plan Home Policy, form 56-5646 (1st ed. 2-15), Oklahoma filing; table identical in Nevada form 56-5640 (6-15)",
      "source_urls": [
        "https://www.oid.ok.gov/wp-content/uploads/2019/08/010816_Farmers-Smart-Plan-HO-Form.pdf",
        "https://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/Consumers/Home/Farmers/56-5640_6-15.pdf"
      ],
      "how_it_works": "Scheduled roof payment = estimated reasonable costs to repair or replace covered roof damage (including debris removal, labor, taxes and fees) multiplied by the scheduled roof payment percentage. Percentage is set by roof age as shown in the Declarations and by roof surface material. If a different actual age can be verified, damage to that material is adjusted on the verified age. For roof materials settled on a scheduled basis the scheduled roof payment is deemed to be the actual cash value. Where Declarations show roof materials at replacement cost and the entire covered loss event is more than $2,500, only the scheduled roof payment is paid until repairs or replacement are completed.",
      "units": "percent of covered cost paid",
      "rows": [
        {
          "age": 0,
          "composition_expected_life_30_years_or_less": 100.0,
          "composition_expected_life_over_30_years": 100.0,
          "wood": 100.0,
          "tile": 100.0,
          "slate": 100.0,
          "metal": 100.0,
          "all_other": 100.0
        },
        {
          "age": 1,
          "composition_expected_life_30_years_or_less": 96.7,
          "composition_expected_life_over_30_years": 98.0,
          "wood": 97.5,
          "tile": 98.0,
          "slate": 98.7,
          "metal": 98.7,
          "all_other": 97.0
        },
        {
          "age": 2,
          "composition_expected_life_30_years_or_less": 93.3,
          "composition_expected_life_over_30_years": 96.0,
          "wood": 95.0,
          "tile": 96.0,
          "slate": 97.3,
          "metal": 97.3,
          "all_other": 94.0
        },
        {
          "age": 3,
          "composition_expected_life_30_years_or_less": 90.0,
          "composition_expected_life_over_30_years": 94.0,
          "wood": 92.5,
          "tile": 94.0,
          "slate": 96.0,
          "metal": 96.0,
          "all_other": 91.0
        },
        {
          "age": 4,
          "composition_expected_life_30_years_or_less": 86.7,
          "composition_expected_life_over_30_years": 92.0,
          "wood": 90.0,
          "tile": 92.0,
          "slate": 94.7,
          "metal": 94.7,
          "all_other": 88.0
        },
        {
          "age": 5,
          "composition_expected_life_30_years_or_less": 83.4,
          "composition_expected_life_over_30_years": 90.0,
          "wood": 87.5,
          "tile": 90.0,
          "slate": 93.4,
          "metal": 93.4,
          "all_other": 85.0
        },
        {
          "age": 6,
          "composition_expected_life_30_years_or_less": 80.0,
          "composition_expected_life_over_30_years": 88.0,
          "wood": 85.0,
          "tile": 88.0,
          "slate": 92.0,
          "metal": 92.0,
          "all_other": 82.0
        },
        {
          "age": 7,
          "composition_expected_life_30_years_or_less": 76.7,
          "composition_expected_life_over_30_years": 86.0,
          "wood": 82.5,
          "tile": 86.0,
          "slate": 90.7,
          "metal": 90.7,
          "all_other": 79.0
        },
        {
          "age": 8,
          "composition_expected_life_30_years_or_less": 73.4,
          "composition_expected_life_over_30_years": 84.0,
          "wood": 80.0,
          "tile": 84.0,
          "slate": 89.4,
          "metal": 89.4,
          "all_other": 76.0
        },
        {
          "age": 9,
          "composition_expected_life_30_years_or_less": 70.0,
          "composition_expected_life_over_30_years": 82.0,
          "wood": 77.5,
          "tile": 82.0,
          "slate": 88.0,
          "metal": 88.0,
          "all_other": 73.0
        },
        {
          "age": 10,
          "composition_expected_life_30_years_or_less": 66.7,
          "composition_expected_life_over_30_years": 80.0,
          "wood": 75.0,
          "tile": 80.0,
          "slate": 86.7,
          "metal": 86.7,
          "all_other": 70.0
        },
        {
          "age": 11,
          "composition_expected_life_30_years_or_less": 63.4,
          "composition_expected_life_over_30_years": 78.0,
          "wood": 72.5,
          "tile": 78.0,
          "slate": 85.4,
          "metal": 85.4,
          "all_other": 67.0
        },
        {
          "age": 12,
          "composition_expected_life_30_years_or_less": 60.0,
          "composition_expected_life_over_30_years": 76.0,
          "wood": 70.0,
          "tile": 76.0,
          "slate": 84.0,
          "metal": 84.0,
          "all_other": 64.0
        },
        {
          "age": 13,
          "composition_expected_life_30_years_or_less": 56.7,
          "composition_expected_life_over_30_years": 74.0,
          "wood": 67.5,
          "tile": 74.0,
          "slate": 82.7,
          "metal": 82.7,
          "all_other": 61.0
        },
        {
          "age": 14,
          "composition_expected_life_30_years_or_less": 53.4,
          "composition_expected_life_over_30_years": 72.0,
          "wood": 65.0,
          "tile": 72.0,
          "slate": 81.4,
          "metal": 81.4,
          "all_other": 58.0
        },
        {
          "age": 15,
          "composition_expected_life_30_years_or_less": 50.1,
          "composition_expected_life_over_30_years": 70.0,
          "wood": 62.5,
          "tile": 70.0,
          "slate": 80.1,
          "metal": 80.1,
          "all_other": 55.0
        },
        {
          "age": 16,
          "composition_expected_life_30_years_or_less": 46.7,
          "composition_expected_life_over_30_years": 68.0,
          "wood": 60.0,
          "tile": 68.0,
          "slate": 78.7,
          "metal": 78.7,
          "all_other": 52.0
        },
        {
          "age": 17,
          "composition_expected_life_30_years_or_less": 43.4,
          "composition_expected_life_over_30_years": 66.0,
          "wood": 57.5,
          "tile": 66.0,
          "slate": 77.4,
          "metal": 77.4,
          "all_other": 49.0
        },
        {
          "age": 18,
          "composition_expected_life_30_years_or_less": 40.1,
          "composition_expected_life_over_30_years": 64.0,
          "wood": 55.0,
          "tile": 64.0,
          "slate": 76.1,
          "metal": 76.1,
          "all_other": 46.0
        },
        {
          "age": 19,
          "composition_expected_life_30_years_or_less": 36.7,
          "composition_expected_life_over_30_years": 62.0,
          "wood": 52.5,
          "tile": 62.0,
          "slate": 74.7,
          "metal": 74.7,
          "all_other": 43.0
        },
        {
          "age": 20,
          "composition_expected_life_30_years_or_less": 33.4,
          "composition_expected_life_over_30_years": 60.0,
          "wood": 50.0,
          "tile": 60.0,
          "slate": 73.4,
          "metal": 73.4,
          "all_other": 40.0
        },
        {
          "age": 21,
          "composition_expected_life_30_years_or_less": 30.1,
          "composition_expected_life_over_30_years": 58.0,
          "wood": 47.5,
          "tile": 58.0,
          "slate": 72.1,
          "metal": 72.1,
          "all_other": 37.0
        },
        {
          "age": 22,
          "composition_expected_life_30_years_or_less": 26.7,
          "composition_expected_life_over_30_years": 56.0,
          "wood": 45.0,
          "tile": 56.0,
          "slate": 70.7,
          "metal": 70.7,
          "all_other": 34.0
        },
        {
          "age": 23,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 54.0,
          "wood": 42.5,
          "tile": 54.0,
          "slate": 69.4,
          "metal": 69.4,
          "all_other": 31.0
        },
        {
          "age": 24,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 52.0,
          "wood": 40.0,
          "tile": 52.0,
          "slate": 68.1,
          "metal": 68.1,
          "all_other": 28.0
        },
        {
          "age": 25,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 50.0,
          "wood": 37.5,
          "tile": 50.0,
          "slate": 66.8,
          "metal": 66.8,
          "all_other": 25.0
        },
        {
          "age": 26,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 48.0,
          "wood": 35.0,
          "tile": 48.0,
          "slate": 65.4,
          "metal": 65.4,
          "all_other": 25.0
        },
        {
          "age": 27,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 46.0,
          "wood": 32.5,
          "tile": 46.0,
          "slate": 64.1,
          "metal": 64.1,
          "all_other": 25.0
        },
        {
          "age": 28,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 44.0,
          "wood": 30.0,
          "tile": 44.0,
          "slate": 62.8,
          "metal": 62.8,
          "all_other": 25.0
        },
        {
          "age": 29,
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 42.0,
          "wood": 27.5,
          "tile": 42.0,
          "slate": 61.4,
          "metal": 61.4,
          "all_other": 25.0
        },
        {
          "age": "30 or more",
          "composition_expected_life_30_years_or_less": 25.0,
          "composition_expected_life_over_30_years": 40.0,
          "wood": 25.0,
          "tile": 40.0,
          "slate": 60.1,
          "metal": 60.1,
          "all_other": 25.0
        }
      ]
    },
    {
      "id": "allstate-roof-surfaces-endorsement-avp84",
      "carrier": "Allstate",
      "form": "Roof Surfaces Endorsement AVP84 (c. 2015), copy posted by an insurance agency; Illinois filing not checked",
      "source_urls": [
        "https://milehighinsurancebrokers.com/agent_portal/forms/Allstate-Roof%20payment%20schedule.pdf"
      ],
      "how_it_works": "For roof surfaces damaged by windstorm or hail Allstate pays the smallest of: the repair cost of the damaged part; the roof surface payment schedule percentage of replacement cost; or the Coverage A or B limit. The percentage applies to all roof surface components and installation including overhead, profit, labor, taxes and fees. Payment excludes increased cost due to enforcement of building codes. The deductible applies in addition. Allstate House & Home Policy form AVP81 states that its Building Structure Reimbursement does not apply to roof surface(s) when the loss is caused by windstorm or hail.",
      "units": "percent of covered cost paid",
      "rows": [
        {
          "age": 0,
          "composition": 100,
          "slate": 100,
          "tile": 100,
          "wood": 100,
          "metal": 100,
          "all_other": 100
        },
        {
          "age": 1,
          "composition": 97,
          "slate": 99,
          "tile": 98,
          "wood": 98,
          "metal": 99,
          "all_other": 97
        },
        {
          "age": 2,
          "composition": 94,
          "slate": 98,
          "tile": 96,
          "wood": 96,
          "metal": 98,
          "all_other": 94
        },
        {
          "age": 3,
          "composition": 91,
          "slate": 97,
          "tile": 94,
          "wood": 94,
          "metal": 97,
          "all_other": 91
        },
        {
          "age": 4,
          "composition": 88,
          "slate": 96,
          "tile": 92,
          "wood": 92,
          "metal": 96,
          "all_other": 88
        },
        {
          "age": 5,
          "composition": 85,
          "slate": 95,
          "tile": 90,
          "wood": 90,
          "metal": 95,
          "all_other": 85
        },
        {
          "age": 6,
          "composition": 82,
          "slate": 94,
          "tile": 88,
          "wood": 88,
          "metal": 94,
          "all_other": 82
        },
        {
          "age": 7,
          "composition": 79,
          "slate": 93,
          "tile": 86,
          "wood": 86,
          "metal": 93,
          "all_other": 79
        },
        {
          "age": 8,
          "composition": 76,
          "slate": 92,
          "tile": 84,
          "wood": 84,
          "metal": 92,
          "all_other": 76
        },
        {
          "age": 9,
          "composition": 73,
          "slate": 91,
          "tile": 82,
          "wood": 82,
          "metal": 91,
          "all_other": 73
        },
        {
          "age": 10,
          "composition": 70,
          "slate": 90,
          "tile": 80,
          "wood": 80,
          "metal": 90,
          "all_other": 70
        },
        {
          "age": 11,
          "composition": 67,
          "slate": 89,
          "tile": 78,
          "wood": 78,
          "metal": 89,
          "all_other": 67
        },
        {
          "age": 12,
          "composition": 64,
          "slate": 88,
          "tile": 76,
          "wood": 76,
          "metal": 88,
          "all_other": 64
        },
        {
          "age": 13,
          "composition": 61,
          "slate": 87,
          "tile": 74,
          "wood": 74,
          "metal": 87,
          "all_other": 61
        },
        {
          "age": 14,
          "composition": 58,
          "slate": 86,
          "tile": 72,
          "wood": 72,
          "metal": 86,
          "all_other": 58
        },
        {
          "age": 15,
          "composition": 55,
          "slate": 85,
          "tile": 70,
          "wood": 70,
          "metal": 85,
          "all_other": 55
        },
        {
          "age": 16,
          "composition": 52,
          "slate": 84,
          "tile": 68,
          "wood": 68,
          "metal": 84,
          "all_other": 52
        },
        {
          "age": 17,
          "composition": 49,
          "slate": 83,
          "tile": 66,
          "wood": 66,
          "metal": 83,
          "all_other": 49
        },
        {
          "age": 18,
          "composition": 46,
          "slate": 82,
          "tile": 64,
          "wood": 64,
          "metal": 82,
          "all_other": 46
        },
        {
          "age": 19,
          "composition": 43,
          "slate": 81,
          "tile": 62,
          "wood": 62,
          "metal": 81,
          "all_other": 43
        },
        {
          "age": 20,
          "composition": 40,
          "slate": 80,
          "tile": 60,
          "wood": 60,
          "metal": 80,
          "all_other": 40
        },
        {
          "age": 21,
          "composition": 37,
          "slate": 79,
          "tile": 58,
          "wood": 58,
          "metal": 79,
          "all_other": 37
        },
        {
          "age": 22,
          "composition": 34,
          "slate": 78,
          "tile": 56,
          "wood": 56,
          "metal": 78,
          "all_other": 34
        },
        {
          "age": 23,
          "composition": 31,
          "slate": 77,
          "tile": 54,
          "wood": 54,
          "metal": 77,
          "all_other": 31
        },
        {
          "age": 24,
          "composition": 28,
          "slate": 76,
          "tile": 52,
          "wood": 52,
          "metal": 76,
          "all_other": 28
        },
        {
          "age": 25,
          "composition": 25,
          "slate": 75,
          "tile": 50,
          "wood": 50,
          "metal": 75,
          "all_other": 25
        },
        {
          "age": 26,
          "composition": 25,
          "slate": 74,
          "tile": 48,
          "wood": 48,
          "metal": 74,
          "all_other": 25
        },
        {
          "age": 27,
          "composition": 25,
          "slate": 73,
          "tile": 46,
          "wood": 46,
          "metal": 73,
          "all_other": 25
        },
        {
          "age": 28,
          "composition": 25,
          "slate": 72,
          "tile": 44,
          "wood": 44,
          "metal": 72,
          "all_other": 25
        },
        {
          "age": 29,
          "composition": 25,
          "slate": 71,
          "tile": 42,
          "wood": 42,
          "metal": 71,
          "all_other": 25
        },
        {
          "age": "30 or over",
          "composition": 25,
          "slate": 70,
          "tile": 40,
          "wood": 40,
          "metal": 70,
          "all_other": 25
        }
      ]
    }
  ]
}