Useful life & depreciation reference
Typical life by material, % depreciated at age.
General · Calculator
Free · no login
Product overview
Look up the typical useful life behind a depreciation call instead of guessing it. Pick the material or component — sixty-plus rows from 3-tab shingles to water heaters to upholstered furniture — enter its age, and you get the typical life with its range, the straight-line annual percentage, how depreciated the item is at that age, and estimated remaining life adjusted for condition. Reach for it every time Xactimate asks for age and life and the insured's answer is “I don't know, it came with the house.”
Straight-line depreciation divides 100% by the item's useful life: a 20-year 3-tab shingle sheds 5% a year, so at 8 years it is 40% depreciated. This reference holds typical lives compiled from public industry life-expectancy guides — the kind home inspectors use — with ranges, because a 3-tab in coastal sun lives differently than one in shade. Percentage depreciated caps at 90% here since functional items retain residual value, and remaining life flexes ±15% for good or poor condition. Carrier and Xactimate schedules are their own tables and vary; use this to anchor a defensible starting point, then price it in the depreciation calculator.
Product details
- Sold by
- Mensuria
- Product category
- Free field tool · Calculator
- Delivery method
- Web app · no login
- Cost
- Free
Highlights
- Deterministic — the same inputs give the same result, every time.
- Built for the trade, sized to feed Xactimate line-item quantities.
- Free — no login, no card.
- Works from a phone at the loss.
Vendor insights
Mensuria writes a neutral scope built to survive review — every line item sourced to a photo, anything unprovable held back and flagged for you. It never files the estimate; a licensed adjuster confirms every line and stays the adjuster of record. Mensuria is independent and not affiliated with Verisk or Xactimate; “Xactimate-ready” means the worksheet is organized for Quick Entry.
Pricing
This tool is free — no login, no card. The full scope-drafting product is priced below; your first claim is free.
Details
Delivery method
Mensuria is a web app — nothing to install. You work a claim in the browser and export a room-grouped, Xactimate-ready worksheet (codes, quantities, descriptions) organized for Quick Entry. There is no native .ESX import; you key the reviewed line items into Xactimate and stay in control.
Terms and conditions
Use of Mensuria is subject to our Terms of Service. Your first claim is free with no card; paid plans are billed monthly and cancel anytime.
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Support
Support
Reach the team at support@mensuria.com . You will hear back from people who have written a scope, not a ticket queue.
Onboarding
Your first claim walks you through capture, draft, review, and export step by step, so you are productive on claim one — no training required.
Refund policy
Monthly plans cancel anytime; the CAT Season Pass is a one-time add-on with no commitment.
Common questions
Typical figures run about 20 years for 3-tab shingles (range 15–25), 25 for architectural laminates (22–30), 30 for wood shake, and 40–70 for metal. On straight-line math an 8-year-old architectural roof at a 25-year life is 32% depreciated. Actual schedules vary by carrier, and condition, ventilation, and climate move real-world life, so document what you see on the slope — curl, granule loss, prior repairs — alongside the age.
Divide age by useful life and multiply by 100: a 6-year-old carpet with a 10-year life is 60% depreciated, so a $2,000 replacement carries $1,200 of depreciation and a $800 ACV. Most practice caps depreciation short of 100% — this reference uses 90% — because a functioning item retains some value. Get the percentage here, then run the dollars through the depreciation (ACV ↔ RCV) calculator to get ACV, recoverable depreciation, and net after deductible.
No — these are typical values from public industry life-expectancy guides, the same family of numbers building inspectors use. Xactimate's depreciation schedules and each carrier's guidelines are their own proprietary tables and can differ by item and by program. Treat this reference as the defensible starting point and the sanity check: when a schedule's number is far off the typical range for the material, that's worth a question on the file.
- General
Compute recoverable depreciation.
- General
RCV → ACV → first check → depreciation check.
- Wind & hail
Squares from dimensions.
- General
Add material overage to a quantity.