At roof age 10, you pay 44% of your roof replacement out-of-pocket.  On a $16,000 roof that means that you pay $7,040 in non-recoverable depreciation.  At roof age 9, you pay nothing because the depreciation is recoverable.  It is very important to get a roof inspection AFTER EVERY STORM so that your roof doesn’t reach age 10, as North Platte, NE gets hail more often than every 10 years.