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Calculate the ACV payment, recoverable depreciation, and total claim payout. Enter your numbers below to see the full breakdown.
The full cost to replace the damaged item with new
The amount the policyholder pays out of pocket
Total Depreciation
RCV x rate x age (capped at RCV)
$5,000.00
Actual Cash Value (ACV)
RCV minus depreciation
$20,000.00
First Check (ACV Payment)
ACV minus deductible
$19,000.00
Recoverable Depreciation
Released after repairs are completed
$5,000.00
Total After Repairs
RCV minus deductible
$24,000.00
This calculator uses straight-line depreciation. Actual depreciation schedules vary by carrier and line item. Always refer to the policy and the adjuster's scope for the exact depreciation applied to each item.
The full cost to replace the damaged property with a new equivalent at today's prices. This is the starting point for every insurance claim calculation. The carrier determines this number on the estimate. Learn more about RCV
The replacement cost minus depreciation. This is what the carrier pays upfront before repairs are completed. It reflects the current value of the item accounting for wear and age. Learn more about ACV
The depreciation amount the policyholder can recover after completing repairs and submitting documentation. On a replacement cost policy, the carrier releases this amount once the work is done and invoices are provided. Learn more about recoverable depreciation
The amount the policyholder is responsible for before insurance coverage applies. The deductible is subtracted from the ACV payment (first check) and from the total payout. Learn more about deductibles
The first check is the ACV payment minus the deductible. It is what the policyholder receives before any work begins. The total after repairs is the full replacement cost minus the deductible. The difference between these two amounts is the recoverable depreciation.
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