The Smart Choice Protection Period refers to the crucial period of time following installation of the GAF Products during which the coverage provided for in your GAF warranty is non-prorated. After the Smart Choice Protection Period, the remedy provided for in your GAF Warranty may be different than that provided for during the Smart Choice Protection Period, and any remedy will be reduced to reflect the use you have received from your GAF Products. The amount of use will be calculated by dividing the number of months which have elapsed since installation to the date of claim by the number of months in the warranty term. For a Lifetime limited warranty, the number of months in the warranty term is deemed to be 600 for years 11-40 of the warranty term. For years 41 and beyond of a Lifetime warranty, GAF’s contribution is 20%. For example, if you make a claim for Lifetime shingles after they have been installed for 25 years (or 300 months), your settlement will be reduced by 300/600, or 50%.