I recently claimed for damage to the roof after a storm in Virginia. Insurance paid for replacement after deductible. The adjustor that insurance sent out for roof told me that I had hail damage to my siding also. I called and put in claim for siding. The insurance company made it into 2 separate claims, saying that it actually saves me money. if I made it into one claim, I would not be able to get any depreciation.
$3700 recoverable depreciation