Roof Surfacing Payment Schedule

An endorsement that pays roofs on a depreciating scale by age instead of full replacement cost. Increasingly common on older roofs.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.