How to use it
- Enter the insurer’s RCV total, the replacement cost before depreciation and deductible.
- Enter your estimate from a contractor or independent estimator, also at RCV.
- Move the slider to test outcomes. Try 30%, 50% and 80% to see a range instead of one answer.
- Add fees using your appraiser’s quoted arrangement and a realistic umpire fee.
Why test a range
Awards rarely match either side’s opening number. Well-documented items tend to hold and unsupported ones tend to fall. If appraisal only pays off at 90% or 100%, the case is fragile. If it still works at 40%, it’s more likely worth pursuing.
What it leaves out
The calculator doesn’t account for depreciation timing, limits or deductibles, which affect what you’re paid but not the size of the dispute. For holdback math, use the replacement cost holdback calculator.
Example figures loaded in the calculator are illustrative only.
Questions about this calculator
Is the projected award a guarantee?
No. It’s a planning scenario. Real awards depend on documentation, the panel and the policy.
What’s a typical umpire fee?
It varies with the size and complexity of the claim. The appraisers can get a quote once an umpire is proposed, and the cost is usually split evenly.
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