If you have replacement cost coverage, depreciation doesn't matter. A lot of companies aren't writing replacement policies on roofs in Colorado though.
Well, in any case, the roof doesn't need replacement due to a weather event, but rather due to ice-damming in one section, and just the age of the roof. It'll be pricey, but considering we've had the same roof for over 20 years, I think we're getting our moneys worth.