Depreciation Analyzer. ACV vs RCV Math.
Calculate depreciation and ACV for common home components and contents.
Under RCV policies, carriers typically pay ACV upfront and release depreciation (the difference) after you complete repairs and provide proof. Under ACV policies, you receive only the depreciated amount. Verify your policy terms on the declarations page.
Calculate depreciation and ACV for common home components and contents.
Mechanism
How it works
Select item category, current replacement cost, and age. Tool uses IRS-standard life spans to calculate depreciation and ACV.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Output
What it tells you
Depreciation amount, ACV, and depreciation rate. Context for RCV policies.
This tool is advisory.
Tool outputs inform decisions but do not replace a licensed professional review. For significant claims, consult a licensed Florida public adjuster.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Browse more