How this RCV vs ACV calculator estimates depreciation
It uses straight-line depreciation, age divided by expected life, capped at the maximum you choose. Real estimates may adjust for condition, use different life tables or leave items like permits undepreciated, so treat the result as a planning number.
Common life expectancies in estimates
| Item | Common range |
|---|---|
| Architectural shingles | 25–30 years |
| 3-tab shingles | 18–25 years |
| Aluminum gutters | 20–30 years |
| Interior paint | 8–12 years |
| Carpet | 8–12 years |
| Heat pump | 12–18 years |
Getting the holdback released
Most replacement cost policies release depreciation after the work is complete, often within a set time. Send invoices and photos of the finished work. The claim calendar builder can remind you before that window closes.
Questions about this tool
Can labor be depreciated in Virginia?
Practices differ by insurer and policy, and courts in different states have reached different conclusions. Ask the insurer to show in writing whether labor was depreciated and why.
What if I decide not to repair?
Under most replacement cost policies you keep the ACV payment but may not collect the held-back depreciation.