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1. Recoverable Depreciation
In some estimates, depreciation may be applied, based on the age and condition of the items requiring repair or replacement. If the depreciation is lifted as "recoverable depreciation" you my be able to collect all or some of the depreciation after the repairs are complete and the expense has been incurred. You will beed to provide us with the final bill/invoice/proof of payment from the repairer.
2. Your policy may provide that this loss be paid at actual cash value until such time as the damaged property is repaired, rebuilt, or replaced. Actual cash value represents the replacement cost value depreciated based on age and condition. You may be entitled to recover the withheld recoverable depreciation subject to your policy, based on the reasonable amount actually paid to repair, rebuild, or replace covered damages with like kind and quality up to the replacement cost value. Should you be entitled to recover the depreciated amount, you will need to submit documentation detailing the scope of completed repairs or replacement along with proof of payment. This will include receipts showing the date of replacement purchase, amount, and description and/or any other requested documentation
3. 용어
RCV = Replacement Cost Value
RD = Recoverable Depreciation
NRD = Non Recoverable Depreciation
ACV = Actual Cash Value Deduct = Deductible
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