房保险

Net claim: $A

Total recoverable depreciation: $B

Net claim if depreciation is recovered: $C

 

How recoverable depreciation is paid on a damaged roof:

Replacement cost $10,000 

depreciation (8 years old / 20 year lifespan = 40%)-$4,000

Actual cash value$6,000

Subtract deductible -$500 Net claim (first payment)$5,500

Add recoverable depreciation (second payment)+$4,000------------保险会付全部B？

Total claim amount$9,500