When does recoverable depreciation become available?
Usually after repair or replacement and the documentation required by the policy and carrier. The estimate amount is not automatically collectible cash.
Free roofing depreciation clock
Should that depreciation check already be here?
Enter the date the roof was complete and the release package was sent. Get a clear 30-day follow-up target—and see whether the payment needs attention now.
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The operating clock
Completion is not collection.
Carrier guidance generally ties recoverable depreciation to completed repairs plus supporting documents. This clock starts when that package leaves your office, because that is the date your team can prove and manage.
Day 0
Package sent
Preserve the final invoice, completion evidence, claim number, recipient, and submission channel.
Day 14
Verify receipt
Confirm the carrier has the package and ask whether an inspection or missing document is holding review.
Day 30
Payment follow-up target
If no payment or documented next step exists, move the claim back into the money queue instead of letting the finished job disappear.
What the result means
A follow-up target, not a fake promise.
There is no single nationwide date when every carrier must release every depreciation payment. Timing can change with the policy, state, carrier process, documentation, inspection, mortgage company, and payment method.
- The calculator adds 30 calendar days to the submission date.
- “Late” means late against this operating target, not legally overdue.
- Your policy and carrier instructions control the actual deadline and requirements.
Why the clock starts after completion documents
Travelers explains that additional replacement-cost payments may follow repair or replacement and submission of documentation.
Allstate says potential reimbursement depends on repair or replacement and the policy provisions.
Washington’s Office of the Insurance Commissioner describes withheld depreciation being released after repairs are fully completed.
Sources support the workflow trigger. The 30-day mark is Odyssey Apex’s transparent operating estimate, not a quoted carrier deadline.
Quick answers
Recoverable depreciation timing
Is 30 days a legal payment deadline?
No. It is an operating follow-up target. Policy language, state rules, carrier review, and missing documents can change the actual timeline.
Which date should I enter?
Use the date the completion and release package was sent. That is more useful than a generic claim-close date when the two are different.
Stop letting finished jobs hide unfinished money.
Odyssey Apex checks roofing claims and receivables against your real QuickBooks data.