Contents Salvageability Score Calculator
Estimates the salvageability score (0–100) of damaged personal property or contents based on material type, damage severity, contamination level, and item age. Used in insurance claims and restoration assessments.
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Formula
Salvageability Score = 100 × M × D × C × A × R
- M = Material Factor (0.45–0.95 based on material durability)
- D = Damage Factor = 1 − (Damage Severity / 100)
- C = Contamination Factor (0.30–1.00 based on contamination type)
- A = Age Factor = (Expected Lifespan − Item Age) / Expected Lifespan
- R = Restoration Feasibility Factor (0.00–1.00)
The resulting score ranges from 0 (total loss) to 100 (fully salvageable).
Assumptions & References
- Material factors are derived from industry restoration guidelines (IICRC S500, S520) reflecting the relative restorability of common content materials.
- Damage severity is a subjective 0–100 scale where 0 = undamaged and 100 = completely destroyed; adjusters typically assign this based on visual inspection.
- Contamination factors reflect health risk and cleaning difficulty; sewage and biohazard contamination significantly reduce salvageability per IICRC and EPA guidelines.
- Age factor assumes linear depreciation of restorability over the item's expected lifespan (consistent with ACV depreciation schedules used in insurance).
- Restoration feasibility is an adjuster or restorer's professional judgment on whether the item can be returned to pre-loss condition.
- A score ≥ 75 generally supports restoration; scores below 25 typically favour replacement on a cost-benefit basis.
- This calculator provides an estimate only. Final salvageability decisions should be made by a qualified contents restoration professional or public adjuster.
- References: IICRC S500 Standard for Water Damage Restoration; IICRC S520 Standard for Mold Remediation; Xactimate Contents Pricing Guidelines.