James Hardie vs LP SmartSide warranty value over time — non-prorated vs prorated
Non-prorated (Hardie) pays 100% for the full 30-year term; prorated (LP’s 5/50) starts sliding after year 5 and is worth under half by year 30. The bigger warranty number is a shrinking payout.
What this diagram shows
A line chart of warranty value remaining versus years for two siding products. James Hardie is non-prorated: it holds a flat 100% of full replacement value for the entire 30-year term, then the term ends. LP SmartSide is the "5/50": 100% for the first 5 years, then it prorates about 2.22% per year and slides down to $0 at year 50. At year 30, when Hardie is still paying full value, LP has already dropped to roughly 45% — so LP’s longer headline number is a shrinking payout, while Hardie’s shorter term pays in full the whole time.
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