Estimate depreciation item by item.
Depreciation is often the largest gap between an estimate and your first check. Build a worksheet that shows how age and life expectancy affect actual cash value.
Actual cash value of 0 items
Straight-line illustration: age ÷ life expectancy, capped at the maximum you set. Insurers may use different tables, condition adjustments or no depreciation on some items.
| Item | Replacement cost | Age / life | Depreciated | ACV | Remove |
|---|
Using the depreciation calculator
Pick an item
Use a quick pick or type your own item and replacement cost.
Add age and life
Age divided by life expectancy gives the straight-line depreciation.
Build the worksheet
Add as many items as you need, then export or print.
Depreciation 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 reviewHow do insurance companies calculate depreciation?
Commonly by comparing an item's age with its expected useful life, sometimes adjusted for condition. Ask the insurer which method and life expectancy were used on your estimate.
Is there a maximum on depreciation?
Many estimating tools cap depreciation, often somewhere between 50% and 80%, but caps vary. This tool lets you set the cap you want to test.
Where is my worksheet saved?
Only in this browser, on this device, using local storage. Nothing is sent to us. Export to CSV to keep a copy.
Keep getting organized
Deductible calculator
Turn a percentage deductible into dollars and compare it with a repair estimate.
Open the tool CalculatorClaim payment calculator
See how RCV, depreciation, your deductible and prior payments shape a claim payment.
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.