Insurance Claim Calculator

Estimate insurance claim payout including ACV, RCV, deductible, and out-of-pocket costs for property damage.

Total Damage ($)

Deductible ($)

Depreciation (%)

Coverage Limit ($)

Tab to move between fields

Insurance Pays (initial)

$19,000

Out of Pocket

$6,000

Replacement Cost Value$25,000

Actual Cash Value$20,000

How to Use This Calculator

Enter the total damage ($) from your restoration estimate.
Set the policy deductible ($) and depreciation holdback (%).
Toggle over-limit flag if the claim exceeds the policy limit.
Review replacement cost value (RCV), actual cash value (ACV), insurance payout, and out-of-pocket cost.
Use out-of-pocket figure to discuss payment expectations with the property owner before work begins.

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