How depreciation is estimated
This calculator uses straight-line depreciation, age divided by expected life, capped at the maximum you choose. Carrier estimates may use different life expectancies, condition adjustments or non-depreciable items such as permits, so treat the result as a planning figure.
Life expectancies in the Arizona sun
Desert heat and ultraviolet light shorten the life of some materials. Ranges seen in estimates vary, but these are common starting points:
| Item | Common range |
|---|---|
| Concrete or clay tile (the tile itself) | 40–50+ years |
| Tile roof underlayment | 20–25 years |
| Foam roof coating | 5–10 years between recoats |
| Asphalt shingles | 15–25 years |
| Evaporative cooler | 10–15 years |
| Exterior paint on stucco | 7–10 years |
Getting the holdback released
Most policies release recoverable depreciation once repairs are finished within a set time. Send invoices and completion photos. The claim deadline calendar can remind you before that window closes.
Questions about this tool
Can labor be depreciated in Arizona?
Practice varies by policy and carrier, and the law on this question differs from state to state. Ask the carrier to explain in writing how labor was treated in your estimate.
What happens if I never repair?
Under most replacement cost policies you keep the ACV payment but may not collect the held-back depreciation.