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
Every homeowner with a Replacement Cost Value (RCV) policy who has received their first insurance check. That check is not your full settlement. The depreciation holdback can be $5,000 to $20,000 or more on a major claim, and many people never collect it.
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 how this applies to your property
Upload photos of your damage and get a detailed analysis showing exactly where your estimate may fall short.