Calculators › Claims & settlements

Depreciation holdback calculator

Replacement cost policies pay in two parts, and the second part only arrives once you prove the repairs were actually completed.

Replacement cost of repairs ($)Age of damaged item (years)Expected life (years)Deductible ($)

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.

More claims & settlements calculators

Actual cash value

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

Claim payout

Work out a settlement after deductible, policy limits and depreciation holdback.

Coinsurance penalty

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