Claim settlement waterfall
RCV → ACV → first check → depreciation check.
General · Calculator
Free · no login
Product overview
Walk a replacement-cost claim from RCV to the actual checks. Enter the RCV, depreciation (recoverable and not), the deductible, and any prior payments, and the calculator lays out the waterfall: the ACV first check, the recoverable-depreciation second check released when repairs finish, the insurer's total obligation, and the policyholder's true out-of-pocket. Reach for it when someone asks the most common settlement question there is — “why is my first check so small?” — and you want the math on one page.
On an RCV policy the settlement pays in two stages. Depreciation is backed out of replacement cost to get actual cash value; the first check is ACV minus the deductible and any prior payments. The withheld recoverable depreciation becomes the second check, released once repairs are complete and documented. Non-recoverable depreciation — items past useful life or ACV-only coverage — never comes back, so it lands in the policyholder's out-of-pocket along with the deductible. Most policies set a window to claim the recoverable holdback, often six months to two years after completion, so the timeline matters as much as the math.
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
Field photos and a few measurements in; a defensible, Xactimate-ready scope out — every line item sourced to the photo that supports it.
Run an estimate you wrote — or a contractor's — past Mensuria for gaps, missed scope, and the companion line items a loss like this usually carries, before you settle. Free for a limited time, no login.
43 calculators and field references for the numbers you work out on site — drying days, roof squares, depreciation, O&P, flood cut, and more. No login, no claim required.
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
Recoverable depreciation is the part of the replacement cost the carrier holds back until repairs are actually completed. The first check pays actual cash value — replacement cost less depreciation — and once you finish the work and submit documentation, the carrier releases the withheld depreciation as a second check. It exists so policyholders don't pocket replacement-cost money without replacing anything. Check the policy for the deadline to claim it; missing that window forfeits real dollars.
Because the first check is ACV, not RCV: the carrier subtracts depreciation and the deductible from the replacement cost before cutting it. On a $30,000 roof with $9,000 of depreciation and a $2,000 deductible, the first check is $19,000 even though the estimate says $30,000. The $9,000 comes later as recoverable depreciation — if the policy is RCV and the repairs get done. The waterfall in this calculator shows each subtraction so the number stops being a surprise.
It's policy-specific. Common windows run from six months to two years after the loss or after completing repairs, and some carriers require notice or documentation sooner. The obligation typically doesn't trigger until repairs are complete, so slow construction can collide with the deadline. Read the loss-settlement conditions, calendar the date, and keep completion documentation — invoices and photos — ready to submit. When a claim is close to the line, request the deadline in writing from the carrier.
- General
Compute recoverable depreciation.
Typical life by material, % depreciated at age.
- General
10-and-10 math plus the three-trades test.
- Wind & hail
% of Coverage A → dollars out of pocket.