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Insurance & ClaimsGenerated accuracy model review: 2026-05-06
Property Damage Depreciation Calculator accuracy and testing
This page documents how Calwarden builds trust for this calculator: source notes, regression-style default tests, limitations, assumptions, unit handling, rounding, and visible change history.
Formula source
- Depreciation percent = min(item age / useful life, depreciation cap). ACV = replacement cost - depreciation. ACV payment = max(ACV - deductible, 0).
Test cases
Default input regression check
Generated from the checked-in default inputs and calculate function.
Inputs
- Replacement Cost Value: $12,000
- Item Age: 6 years
- Useful Life: 20 years
- Depreciation Cap: 80%
- Recoverable Depreciation: 100%
- Deductible: $1,000
Expected outputs
- Actual Cash Value: $8,400.00
- Depreciation Amount: $3,600.00
- Recoverable Depreciation: $3,600.00
- ACV Payment After Deductible: $7,400.00
Known limitations
- This page documents the checked-in calculator logic and does not certify results for every real-world edge case.
- Use the result as a planning estimate unless the calculator page states a stricter purpose.
Assumptions
- All loss amounts, policy limits, rates, fees, and settlement assumptions are entered by the user.
- Calculations run locally in your browser and are not stored by Calwarden.
- This is planning math, not insurance, legal, financial, tax, appraisal, or claims-handling advice.
Unit handling
- Replacement Cost Value accepts values in $.
- Item Age accepts values in years.
- Useful Life accepts values in years.
- Depreciation Cap accepts values in %.
- Recoverable Depreciation accepts values in %.
- Deductible accepts values in $.
- Actual Cash Value is displayed as currency.
- Depreciation Amount is displayed as currency.
- Recoverable Depreciation is displayed as currency.
- ACV Payment After Deductible is displayed as currency.
Rounding rules
- Number displays use up to 2 decimal places in the calculator UI.
- Currency outputs are displayed with standard US dollar formatting.
- Input precision follows configured step values where provided.
Version history
1.0.0 - 2026-05-06
Generated accuracy and testing page from the current property-damage-depreciation-calculator calculator definition.
Change log
2026-05-06
Published default regression test documentation and metadata fallbacks for Property Damage Depreciation Calculator.
Calculator transparency
Accuracy pages are generated from checked-in calculator definitions and can be upgraded with curated review metadata over time.