Free Tool · Contents RCV / ACV

Contents Replacement Cost & Depreciation Calculator

Build a line-item inventory of smoke- or fire-damaged personal property. The calculator totals Replacement Cost Value (RCV), your estimated depreciation and the resulting estimated Actual Cash Value (ACV). Your list is saved in this browser only.

Please readThis calculator is an organizational and estimating tool. Your insurance policy and carrier's applicable claim evaluation determine how replacement cost, depreciation, and actual cash value are handled. Calculated ACV is not necessarily what an insurer owes — policies, depreciation methods, recoverable depreciation, limits, exclusions and settlement provisions differ.

Contents Inventory — Smoke Damage Public Adjuster Worksheet

Contents inventory line items
Item	Category	Brand	Model	Qty	Age (yrs)	Pre-loss condition	Replacement cost / item ($)	Est. depreciation %	Sales tax %	RCV	Est. depreciation	Est. ACV	Notes	Actions

Items / quantity0

Total Replacement Cost (RCV)$0.00

Total Estimated Depreciation$0.00

Total Estimated ACV$0.00

RCV, depreciation and ACV in plain English

Replacement Cost Value (RCV) is what it would cost to replace an item with a new one of like kind and quality today. Depreciation is a reduction for age, wear and condition. Actual Cash Value (ACV) is generally described as replacement cost minus depreciation — but how ACV is calculated, and whether depreciation is later recoverable, depends on your policy and the carrier's claim evaluation.

The depreciation percentage in this calculator is your estimate. Insurers may use different depreciation methods, useful-life tables or condition adjustments, and some policies pay ACV first and release withheld depreciation after items are replaced. Read more in smoke-damaged contents and smoke damage insurance claims, or request a free claim review.

Tips for a stronger inventory

Go room by room, and include closets, cabinets, drawers, the garage and storage areas.
Record brand and model wherever you can — photos of labels and serial plates help.
Look for proof of ownership and cost: receipts, credit card and bank statements, online order histories, warranty registrations, photos and videos.
Use current replacement pricing for like kind and quality, and note where you found it.
Don't throw items away before they are documented and you understand the carrier's process.

DisclaimerThis calculator is an organizational and estimating tool. Your insurance policy and carrier's applicable claim evaluation determine how replacement cost, depreciation, and actual cash value are handled.