Roof Surfaces Payment Schedule

Christine Bowen • June 5, 2026
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Insurance Agrees - metal holds its strength & Value Over Time

Roof Surface Payment Schedule

Certain homeowner insurance policies will pay the current value (or Actual Cash Value) of the roof to the client when an approved insurance claim in filed. Minus the deductible of course. But, how do they get to that number or value for your roof? The chart below shows how each roof type's value is depreciated over 30 years. 


  What we find interesting is the very last line, "30 Years or Older". Metal roofs maintain 70% of their value! And you'll never have to replace it. Come to think of it, that's probably why the insurance companies love it so much. Insurance companies typically give you a class 4 discount on your insurance premium (Impact Resistance Classes 1 through 4). Discounts can be up to 20%. Impact resistance refers mainly to hail, but includes all weather perils including tree damage. 


  If you are considering a metal roof and comparing the cost versus shingles, you can see in writing the strength and longevity provided by a metal roof. Metal roofs increase curb appeal and improve home values, all while holding it's value for a lifetime, or two.



Roof Surfaces Payment Schedule
Example of Roof Surfaces Payment Schedule

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