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?对旧房保险公司不就亏了吗?
Total claim amount$9,500