Depreciation has a deadline
The insurer holds back depreciation until the work is done and invoiced. Most carriers allow about a year from the loss; some allow only 180 days.
From the fieldIntegrity Roofing and Painting, a roofing contractor
For home service businesses
The roof is done. Part of the money still is not.
A tracker for storm and insurance roofers. Every claim shows what the insurer owes, what has been paid, where each check is, and how many days are left to collect the held-back depreciation.
One-time build · $4,300
$40,000
or 33% of the insurance money is the most a mortgage company normally releases up front on a current Fannie Mae loan. The rest waits for inspections.
Where roofing insurance money gets stuck
The mortgage company holds the check
When the lender is on the check, its loss-draft department wants a W-9, the contract, the adjuster's summary and lien waivers before releasing money in stages.
From the fieldDCS PIA on mortgage loss-draft checks
Supplements are money on the table
Items the adjuster missed have to be claimed separately. Outside supplement services charge 8% to 15% of what they recover above the original estimate.
Company blogProLine on roofing supplement service costs
How it works
The claim goes in
The adjuster's estimate: full replacement value, depreciation, deductible and what the first check should be.
Every check followed
Each check and where it is: with the homeowner, at the mortgage company, or paid to you, with the paperwork each one needs.
Nothing left behind
Deadlines for depreciation count down, supplements show requested against approved, and each claim shows what is still owed.
What you get
- What is still owed on every insurance job, in one total
- Depreciation deadlines counting down, claim by claim
- Mortgage company paperwork and releases tracked
- Supplements requested against approved, in dollars
A good fit if
- You do a steady volume of insurance roof replacements
- Money from insurers and mortgage companies arrives in several pieces
- Deadlines and paperwork live in spreadsheets or someone's head
Probably not for you if
- You mostly do retail jobs paid directly by homeowners
- Your roofing software already tracks checks, releases and depreciation to your satisfaction
Price
$4,300
One time, for the finished tool. About 60–110 hours of work at the same $50 an hour as the cost calculators on this site.
Talk about your business- Claim stages and paperwork set up the way your office works
- Connected to your roofing software where it allows
- Deadline reminders by email
- Training for the office and production team
Questions
How does roof insurance claim depreciation work?
The part of the insurance payment held back until the work is finished. The first check is usually the depreciated value minus the deductible. The rest is paid after you show the job is done, within the carrier's deadline.
Does it write supplements?
No. It tracks what was requested and what was approved. Writing supplements stays with your team or your supplement service.
Can it read the adjuster's estimate?
The key totals are entered from the estimate PDF. Pulling every line automatically depends on the format and is something we look at when we scope it.
Does it work with AccuLynx or JobNimbus?
AccuLynx allows a connection. JobNimbus limits it to higher plans. Where a connection is not possible, claims are entered in the tracker directly.
More for home service businesses: Supplier bill matcher, Maintenance agreement tracker, Install paperwork tracker, Accounting sync check. Everything for home service businesses
Updated Sep 28, 2026Have a product in mind? Let's scope it this week.
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