Depreciation (ACV ↔ RCV)
Compute recoverable depreciation.
General · Calculator
Free · no login
Product overview
Work out ACV, the depreciation amount, and recoverable depreciation from a line item's replacement cost, age, and useful life. This is the calculation behind every RCV-to-ACV settlement — what the carrier holds back until repairs are done. Adjusters reach for it when explaining a settlement to a policyholder, checking a carrier's depreciation on a supplement, or netting an ACV figure against the deductible before a check goes out. Enter a percentage override when the file already carries a set depreciation figure.
This uses straight-line depreciation. The depreciation percentage is age divided by useful life, capped at 100%, so a 10-year roof on a 20-year life depreciates 50%. Depreciation dollars are replacement cost times that percentage; ACV is replacement cost minus depreciation; and recoverable depreciation equals the depreciation amount — the sum released once repairs are completed on a replacement-cost policy. Enter a depreciation-percentage override and the tool uses it directly, bypassing the age/life math. Add the deductible and it also returns net ACV, the ACV less the deductible, floored at zero.
Product details
- Sold by
- Mensuria
- Product category
- Free field tool · Calculator
- Delivery method
- Web app · no login
- Cost
- Free
Highlights
- Deterministic — the same inputs give the same result, every time.
- Built for the trade, sized to feed Xactimate line-item quantities.
- Free — no login, no card.
- Works from a phone at the loss.
Vendor insights
Mensuria writes a neutral scope built to survive review — every line item sourced to a photo, anything unprovable held back and flagged for you. It never files the estimate; a licensed adjuster confirms every line and stays the adjuster of record. Mensuria is independent and not affiliated with Verisk or Xactimate; “Xactimate-ready” means the worksheet is organized for Quick Entry.
Pricing
This tool is free — no login, no card. The full scope-drafting product is priced below; your first claim is free.
Details
Delivery method
Mensuria is a web app — nothing to install. You work a claim in the browser and export a room-grouped, Xactimate-ready worksheet (codes, quantities, descriptions) organized for Quick Entry. There is no native .ESX import; you key the reviewed line items into Xactimate and stay in control.
Terms and conditions
Use of Mensuria is subject to our Terms of Service. Your first claim is free with no card; paid plans are billed monthly and cancel anytime.
More from this vendor
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Support
Support
Reach the team at support@mensuria.com . You will hear back from people who have written a scope, not a ticket queue.
Onboarding
Your first claim walks you through capture, draft, review, and export step by step, so you are productive on claim one — no training required.
Refund policy
Monthly plans cancel anytime; the CAT Season Pass is a one-time add-on with no commitment.
Common questions
Actual cash value is replacement cost minus depreciation. With straight-line depreciation, depreciation equals RCV times the ratio of age to useful life. A $10,000 roof that's 10 years into a 20-year life depreciates 50%, or $5,000, so ACV is $5,000. Enter the replacement cost, age, and useful life and the tool returns ACV, the depreciation dollars, and the recoverable depreciation the carrier holds back until the work is done.
Recoverable depreciation is the portion of a settlement the carrier withholds from the initial ACV payment and releases once repairs are completed, on a replacement-cost (RCV) policy. In this calculator it equals the depreciation amount. The policyholder is paid ACV up front, completes the work, submits proof, and recovers the held-back depreciation. On an ACV-only policy that depreciation is not recoverable — coverage terms govern, so confirm against the policy.
Useful life is the expected service life of the item — say 20 years for architectural shingles or 15 for a water heater. Straight-line depreciation spreads the loss of value evenly across that life: the depreciation percentage is age divided by useful life, capped at 100% once the item is past its expected life. Useful-life tables vary by carrier and item, so use the figure your carrier's guidelines specify for a defensible number.
The deductible applies to the amount payable. Enter it and the tool returns net ACV — the ACV after depreciation, less the deductible, floored at zero — which is what the initial check reflects on an RCV policy. The recoverable depreciation is released later against completed repairs. Order and application of the deductible can vary by policy and jurisdiction, so verify against the carrier's settlement guidelines before the figure goes out.
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- General
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