Property Damage Loss Assessment Calculator
ANA›Life Services Authority›National Calculator Authority›Property Damage Loss Assessment Calculator
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Property Damage Loss Assessment Calculator
Estimate your total insurable property damage loss by factoring in replacement cost, depreciation, policy deductible, and additional living expenses (ALE).
Replacement Cost Value (RCV) of Damaged Property ($)
Age of Property / Item (years)
Expected Useful Life (years)
Policy Deductible ($)
Additional Living Expenses / Loss of Use ($)
Salvage / Residual Value ($)
Policy Coverage Limit ($) (0 = no limit)
Calculate Loss Assessment
### Loss Assessment Summary
Replacement Cost Value (RCV) Depreciation Amount Actual Cash Value (ACV) Salvage / Residual Value Net Loss Before Deductible Policy Deductible Additional Living Expenses (ALE) Total Estimated Claim Payout Depreciation Rate Applied Coverage Limit Applied
function proCalc() { var errEl = document.getElementById('pro-error'); var resEl = document.getElementById('pro-result'); errEl.style.display = 'none'; resEl.style.display = 'none';
var rcv = parseFloat(document.getElementById('pro-replacement-cost').value); var age = parseFloat(document.getElementById('pro-age').value); var usefulLife = parseFloat(document.getElementById('pro-useful-life').value); var deductible = parseFloat(document.getElementById('pro-deductible').value) || 0; var ale = parseFloat(document.getElementById('pro-ale').value) || 0; var salvage = parseFloat(document.getElementById('pro-salvage').value) || 0; var coverageLimit= parseFloat(document.getElementById('pro-coverage-limit').value) || 0;
// --- Validation --- var errors = []; if (isNaN(rcv) || rcv usefulLife) errors.push("Age cannot exceed Useful Life."); if (deductible = rcv) errors.push("Salvage Value must be less than Replacement Cost Value.");
if (errors.length > 0) { errEl.innerHTML = errors.join(''); errEl.style.display = 'block'; return; }
// --- Core Formulas --- // Straight-line depreciation rate (capped at 80% per industry practice) var depRate = Math.min(age / usefulLife, 0.80);
// Depreciation Amount = RCV × Depreciation Rate var depAmount = rcv * depRate;
// Actual Cash Value (ACV) = RCV − Depreciation Amount var acv = rcv - depAmount;
// Net Loss Before Deductible = ACV − Salvage Value var netBeforeDeductible = Math.max(acv - salvage, 0);
// Net Loss After Deductible = max(Net Loss Before Deductible − Deductible, 0) var netAfterDeductible = Math.max(netBeforeDeductible - deductible, 0);
// Total Estimated Claim = Net Loss After Deductible + ALE var totalClaim = netAfterDeductible + ale;
// Apply coverage limit if set var limitApplied = false; if (coverageLimit > 0 && totalClaim > coverageLimit) { totalClaim = coverageLimit; limitApplied = true; }
// --- Output --- var fmt = function(v) { return '$' + v.toLocaleString('en-US', {minimumFractionDigits:2, maximumFractionDigits:2}); }; var pct = function(v) { return (v * 100).toFixed(1) + '%'; };
document.getElementById('pro-out-rcv').textContent = fmt(rcv); document.getElementById('pro-out-dep').textContent = '−' + fmt(depAmount); document.getElementById('pro-out-acv').textContent = fmt(acv); document.getElementById('pro-out-salvage').textContent = '−' + fmt(salvage); document.getElementById('pro-out-net-before').textContent = fmt(netBeforeDeductible); document.getElementById('pro-out-deductible').textContent = '−' + fmt(deductible); document.getElementById('pro-out-ale').textContent = '+' + fmt(ale); document.getElementById('pro-out-total').textContent = fmt(totalClaim); document.getElementById('pro-out-dep-rate').textContent = pct(depRate) + ' (straight-line, capped at 80%)'; document.getElementById('pro-out-limit').textContent = coverageLimit > 0 ? fmt(coverageLimit) + (limitApplied ? ' ⚠ limit reached' : ' (not reached)') : 'None';
var note = ''; if (limitApplied) note += '⚠ Payout was capped at your policy coverage limit. '; if (depRate >= 0.80) note += '⚠ Depreciation capped at 80% per standard insurance practice. '; if (deductible >= netBeforeDeductible) note += 'ℹ Your deductible equals or exceeds the net loss; no ACV payout applies (ALE still covered). '; document.getElementById('pro-out-note').textContent = note;
resEl.style.display = 'block'; }
#### Formulas Used
1. Depreciation Rate (Straight-Line, capped at 80%): Dep Rate = min(Age ÷ Useful Life, 0.80)
2. Depreciation Amount: Dep Amount = RCV × Dep Rate
3. Actual Cash Value (ACV): ACV = RCV − Dep Amount
4. Net Loss Before Deductible: Net Loss = max(ACV − Salvage Value, 0)
5. Net Loss After Deductible: Net After Ded = max(Net Loss − Deductible, 0)
6. Total Estimated Claim Payout: Total Claim = min(Net After Ded + ALE, Coverage Limit) (Coverage Limit only applied when > 0)
#### Assumptions & References
- Depreciation is calculated using the straight-line method, the most common approach in property insurance claims (ISO, NAIC guidelines).
- Depreciation is capped at 80% of RCV, consistent with standard insurance industry practice to preserve minimum residual value.
- Actual Cash Value (ACV) = Replacement Cost − Depreciation, per Insurance Services Office (ISO) and most state insurance regulations.
- Additional Living Expenses (ALE) / Loss of Use coverage is added on top of the ACV payout, as is standard under homeowners policies (ISO HO-3 form).
- The deductible is subtracted from the net ACV loss only; ALE is typically not subject to the deductible under most policies.
- Results are estimates only. Actual claim payouts depend on your specific policy terms, insurer adjustments, and applicable state laws.
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