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Calculate the difference between Actual Cash Value and Replacement Cost Value on any insurance claim item. Enter the details below.
The full cost to replace the item with a new equivalent
How old the item is at the time of the claim
The expected total lifespan of the item
Replacement Cost Value (RCV)
Full cost to replace with new
$20,000.00
Depreciation
10 years / 25 years = 40.0%
-$8,000.00
Actual Cash Value (ACV)
RCV minus depreciation
$12,000.00
Recoverable Depreciation
Available after repairs on RCV policies
$8,000.00
This calculator uses straight-line depreciation (age divided by useful life). Actual depreciation schedules vary by carrier, item type, and policy. Some carriers use different depreciation methods or cap depreciation at a certain percentage. Always reference the policy.
The full cost to replace the damaged property with a new equivalent at today's prices. This is the maximum the policyholder can receive on a replacement cost policy after completing repairs. Learn more about RCV
The replacement cost minus depreciation. This is what the carrier pays upfront (before the deductible) on a replacement cost policy. On an ACV-only policy, this is the total payout. Learn more about ACV
The depreciation amount that can be recovered after repairs are completed and documented. Only available on replacement cost policies. On ACV policies, depreciation is non-recoverable. Learn more about recoverable depreciation
The expected total lifespan of the item. Common examples: asphalt shingles (20-30 years), HVAC systems (15-20 years), carpet (8-10 years), interior paint (5-7 years). Carriers reference depreciation tables for these values. Learn more about depreciation
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