Storm Damage Claim Dossier

Itemize catastrophic hail, wind, flood, or winter storm damage. Compute Replacement Cost Value (RCV), age-based depreciation, Actual Cash Value (ACV), and deductible impact for claims adjusters.

Scenarios:

Add / Edit Loss Entry

5 items logged

Zone / Location Description of Loss or Work

Loss Category Est. Replacement Cost ($)

Item Age (Years) 0 for emergency mitigation Est. Lifespan (Years) Typical useful lifetime

Adjuster Notes / Contractor Quote Ref

Policy Deductible

Deductible Type Deductible Amount ($)

Adjusters subtract the deductible from the initial ACV disbursement.

Total RCV (Full Cost) $0 Replacement cost if fully rebuilt

Depreciation Holdback $0 Recoverable after repairs complete

            Actual Cash Value (ACV)
            $0
            Net initial claim value before ded.
          

Est. Initial Payout $0 ACV minus policy deductible

Impacted Property Zones

Showing all zones (click a zone to filter)

Zone / Location	Item & Description	Coverage	RCV	Deprec.	ACV	Notes / Proof	Action

Ready. Review items or download the claim package.

View Formatted Adjuster Dossier Preview (Plain Text)

Catastrophe Claims: Key Concepts Every Homeowner Should Know

RCV vs. ACV Explained

Replacement Cost Value (RCV) is today's cost to replace damaged materials with brand-new equivalent materials. Actual Cash Value (ACV) subtracts age depreciation. When you hold an RCV policy, the insurer withholds depreciation until repairs are fully completed and invoiced.

Emergency Mitigation Receipts

Policyholders have a legal duty to protect property from secondary damage. Expenses for tarping blown roofs, boarding broken windows, or pumping basement flood water are categorized as Emergency Mitigation and are generally paid with zero depreciation applied.

Adjuster-Ready Proof Standards

Claims teams handle hundreds of files during major disasters. Dossiers organized by physical zone, listing specific item descriptions, age, and photo cross-references dramatically accelerate review cycles and reduce initial estimate disputes.