Calculators › Claims & settlements

Claim payout calculator

A settlement passes through deductible, limits and depreciation before it reaches you, and replacement cost policies hold back the depreciation until repairs are done.

Loss amount ($)Deductible ($)Policy limit ($)Depreciation holdback (%)

This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.

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Actual cash value

Calculate actual cash value from replacement cost, age and expected lifespan.

Coinsurance penalty

Calculate the reduction applied to a claim when a property is insured below its coinsurance requirement.

Depreciation holdback

See how much of a claim is held back as depreciation and what you must do to recover it.