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Colorado insurance guide · Updated Oct 22, 2026
Allstate roof payment schedule, explained.See what your roof would really pay.
Not every Allstate policy has it, but more and more include a Roof Surfaces Endorsement (AVP84) that pays wind and hail roof claims by roof age. Here's the schedule, a calculator, and how to check your policy.
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Check your own declarations page. If AVP84, "Roof Surfaces Endorsement" or "Roof Surface Payment Schedule" is listed there, this page explains what it means for your roof and your check.
Find out before you file, free policy check: (720) 948-5726
Before you file
Find out before you file, free policy check. Know your number first.
If you're with Allstate, your roof may be paid on a schedule instead of full replacement cost. The difference can be thousands of dollars, so check before you file.
Find out before you file, free policy check
What we check with you
- Whether AVP84 is on your declarations page
- Your roof age and material
- Your deductible in dollars
- A schedule estimate for your roof
- A photo inspection of the damage
Allstate roof payment schedule
What is Allstate's Roof Surfaces Endorsement?
Roof Surfaces Endorsement (form AVP84)
Not every Allstate policy has it, but we're seeing more and more with a Roof Surfaces Endorsement, form AVP84. For roof damage caused by wind or hail, it replaces both replacement cost and actual cash value with a "Roof Surface Payment Schedule." Allstate pays the smallest of: the repair cost, the schedule percentage of roof replacement cost, or the dwelling (or other structures) limit.
What the percentage covers
The schedule percentage applies to all roof surface components and installation, including overhead, profit, labor, taxes and fees.
Source: AVP84
Deductible and code upgrades
The endorsement applies in addition to your deductible, and payments under the schedule do not include extra costs from enforcing building codes, ordinances or laws.
Source: AVP84
Takeaways
- It only applies to wind and hail damage to the roof surface.
- It pays the lowest of repair cost, schedule amount or your limit.
- Deductible still applies. Code items aren't included.
The schedule
How much does Allstate pay by roof age?
Asphalt shingle (floor 25%) Metal / slate (floor 70%) Tile / wood (floor 40%, dashed)
| Roof age | Asphalt shingle | Metal / slate | Tile / wood |
|---|---|---|---|
| 0 | 100% | 100% | 100% |
| 1 | 97% | 99% | 98% |
| 2 | 94% | 98% | 96% |
| 3 | 91% | 97% | 94% |
| 4 | 88% | 96% | 92% |
| 5 | 85% | 95% | 90% |
| 6 | 82% | 94% | 88% |
| 8 | 76% | 92% | 84% |
| 10 | 70% | 90% | 80% |
| 12 | 64% | 88% | 76% |
| 15 | 55% | 85% | 70% |
| 18 | 46% | 82% | 64% |
| 20 | 40% | 80% | 60% |
| 22 | 34% | 78% | 56% |
| 25 | 25% | 75% | 50% |
| 30 or over | 25% | 70% | 40% |
Selected ages shown. Source: AVP84 schedule (2015 edition). "All other" roof materials follow the asphalt shingle column.
Reading the schedule
Composition (asphalt) shingles drop 3 points a year to a 25% floor at 25 years. Metal and slate drop 1 point a year to 70% at 30 years. Tile and wood drop 2 points a year to 40% at 30 years.
Run your numbers
What would Allstate pay on my roof?
Calculator
What would Allstate pay under the schedule?
Check your own declarations page. If AVP84, "Roof Surfaces Endorsement" or "Roof Surface Payment Schedule" is listed there, this page explains what it means for your roof and your check.
Find out before you file, free policy check: (720) 948-5726
For a full wind/hail roof replacement under AVP84. An estimate only; your policy and adjuster decide.
Does not include code-upgrade items, which the endorsement excludes from schedule payments, or other damage outside the roof surface.
Worked example
15-year-old asphalt shingle roof. Replacement cost $20,000. Deductible $5,000 (for example, 1% of $500,000 dwelling coverage). Schedule: 55% of $20,000 = $11,000. Minus $5,000 deductible = $6,000 check.
Source: Illustrative example using the AVP84 schedule; real claims depend on your policy, your estimate and your adjuster.
Find out before you file, free policy check.
We read your declarations page with you and inspect the roof. Free, no obligation.
On your paperwork
How do I know if my Allstate policy has AVP84?
1. Get your full policy
Colorado insurers must make your policy, declarations and endorsements available within 3 business days of your request (C.R.S. 10-4-110.8).
2. Open the declarations page
Find the list of forms and endorsements. Look for AVP84, Roof Surfaces Endorsement or Roof Surface Payment Schedule.
3. Check the base form
Allstate lists AVP148 as its Colorado House & Home policy contract (Allstate state policy contracts).
4. Look for a buy-back
See if Roof Surfaces Extended Coverage is listed (see below).
Roof Surfaces Extended Coverage (buy-back)
In Allstate's Tennessee filing, the base policy pays roof surfaces by the schedule, and a Roof Surfaces Extended Coverage endorsement can be purchased to extend coverage to replacement cost.
What it looks like on a settlement letter
On one 2026 Colorado Allstate hail claim we worked (details removed for privacy), the settlement letter listed the full repair cost, then a line called "Customer Portion for Roof Surfaces Payment Schedule" of about $17,700, then the $2,500 deductible. That customer portion is the schedule at work.
When it applies
One insurance agency reports Allstate applies the payment schedule to roofs older than 10 years.
Source: Ullrich Insurance
Before you file
What should I do before filing an Allstate roof claim?
- Get your declarations page and look for AVP84.
- Write down your wind/hail deductible in dollars.
- Know your roof's age and material. Permits, purchase records or the original install invoice help.
- Get a photo inspection so you know what's actually damaged.
- Run the calculator above and decide with the real numbers in front of you.
The deductible is yours
Colorado law prohibits roofers from paying, waiving or rebating any part of your insurance deductible.
Source: C.R.S. 6-22-105
Find out before you file, free policy check.
We read your declarations page with you and inspect the roof. Free, no obligation.
Colorado rulings & rules
What have Colorado courts and regulators said?
Appraisal can include causation
In BonBeck Parker v. Travelers (10th Cir. 2021), applying Colorado law, the court held that "amount of loss" in that policy's appraisal clause includes causation disputes, so appraisers could decide whether hail caused the disputed roof damage.
Source: BonBeck Parker, LLC v. Travelers, 14 F.4th 1169 (10th Cir. 2021)
Matching
In Bertisen v. Travelers (D. Colo. Sept. 8, 2023), a federal judge read an ambiguous policy in the homeowners' favor and held that it covered matching on a concrete tile roof.
Source: Bertisen v. Travelers Home & Marine, No. 20-cv-03650 (D. Colo.)
Aerial photos and nonrenewals
DOI Bulletin B-5.57 (effective March 16, 2026) says aerial imagery shouldn't be the sole basis for adverse actions such as nonrenewals or claim reductions. Separately, C.R.S. 10-4-110.7 requires 60 days' mailed notice, with reasons, before a homeowners nonrenewal.
Source: DOI Bulletin B-5.57 · C.R.S. 10-4-110.7
What is Allstate AVP84?
AVP84 is Allstate's Roof Surfaces Endorsement. For wind or hail roof damage, it pays a percentage of roof replacement cost based on roof age and material, instead of replacement cost or actual cash value.
How much does Allstate pay on a 10-year-old shingle roof?
Under the 2015 AVP84 schedule, 70% of roof replacement cost for composition shingles at 10 years, before your deductible.
Does the deductible still apply with the roof payment schedule?
Yes. The endorsement says its provisions apply in addition to the applicable deductible.
Does AVP84 pay for code upgrades?
No. Payments under the roof surface schedule do not include increased costs from enforcing building codes, ordinances or laws.
How do I find out if my Allstate policy has a roof payment schedule?
Look at the endorsements listed on your declarations page for AVP84, Roof Surfaces Endorsement or Roof Surface Payment Schedule. In Colorado you can request your full policy, and the insurer must make it available within 3 business days.
Can I buy back replacement cost on my Allstate roof?
In Allstate's Tennessee filing, a Roof Surfaces Extended Coverage endorsement extends roof coverage to replacement cost. Whether it's available in Colorado isn't confirmed; ask your agent.
Find out before you file, free policy check.
We read your declarations page with you and inspect the roof. Free, no obligation.
Schedule figures come from a 2015 edition of Allstate form AVP84 posted by an insurance agency; your current policy may differ. Written by Jeff Kish, founder of Homey Roofing and Restoration (in roofing since 2009). Reviewed by Allie Whitworth, Homey sales & operations and licensed Colorado REALTOR® with RE/MAX Professionals. Homey Roofing and Restoration is a roofing contractor, not a public adjuster. Your policy wording controls your coverage. Updated Oct 22, 2026.