How your claim payment is actually calculated.
Your first check is rarely the full estimate. This calculator shows how depreciation, your deductible and prior payments combine, and how much may be recoverable after repairs.
Simplified illustration. Policy limits, sublimits, code coverage, overhead and profit, and other terms can change the result. This is not a settlement offer or a guarantee.
Using the claim payment calculator
Enter the RCV
Use the replacement cost total from the estimate, before depreciation.
Add depreciation
Enter the dollar amount from the estimate, or try a percentage.
Read the breakdown
See the first payment, what may be recoverable later and the potential total.
Claim payment calculator FAQs
These tools from The Colony Public Adjuster help you get organized. They do not decide coverage or payment. For a closer look at your own numbers, request a free claim review.
Free claim reviewWhy is my first insurance check less than the estimate?
Most replacement cost policies first pay actual cash value: the estimate minus depreciation and your deductible. The withheld depreciation may be paid after repairs are completed.
How do I recover depreciation?
Typically by completing repairs and sending proof, such as the final invoice, within the time your policy allows. Check your policy for the deadline.
Is depreciation applied to labor?
Practices vary by insurer and policy. Ask the insurer how depreciation was calculated on your estimate.
Keep getting organized
Deductible calculator
Turn a percentage deductible into dollars and compare it with a repair estimate.
Open the tool WorksheetDepreciation calculator
Estimate actual cash value for roofs, flooring, appliances and more, item by item.
Open the tool TimelineTexas claim deadline calculator
Map the insurer response dates set by the Texas Prompt Payment of Claims Act.
Open the toolYour claim deserves a closer look.
Talk with The Colony Public Adjuster about the damage, the paperwork and your next step. The first review is free and there is no obligation.