Holdback Recovery Calculator
What this tool does
Enter the replacement cost of your damaged items, the depreciation percentage your insurer applied, and your deductible. The calculator breaks down your first check (ACV minus deductible), the holdback amount sitting with your insurer, and the total you'll receive after submitting repair receipts.
Who needs this
Contractors managing client expectations on RCV policies. The first check is not the full settlement. The depreciation holdback can be $5,000 to $20,000 or more, and recovering it is part of closing out the job profitably.
How to use it
Look at your insurance estimate for the total Replacement Cost Value and the depreciation amount or percentage. Enter both along with your deductible. The breakdown shows your initial payment, the recoverable holdback, and a reminder about the filing deadline.
See what scope you're missing
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