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DepreciationUnited States

Recoverable Depreciation Tracker

Many replacement cost policies first pay actual cash value and hold back depreciation until you replace items and send receipts. This tracker follows the held-back amount item by item, so nothing is forgotten before your deadline.

What's inside

  • US_Recoverable_Depreciation_User_Guide.docx
  • US_Recoverable_Depreciation_Recoverable_Depreciation_TRACKER.xlsx
  • US_Recoverable_Depreciation_Claim_Diary_TRACKER.xlsx
  • US_Recoverable_Depreciation_Claim_Letters_TEMPLATE.docx

$29

Instant download · Word and Excel · Personal use license

What's inside

  • US_Recoverable_Depreciation_User_Guide.docx

    Step-by-step user guide with key terms, rules that may apply, sources and a final checklist

  • US_Recoverable_Depreciation_Recoverable_Depreciation_TRACKER.xlsx

    Item-by-item tracker of withheld depreciation, replacements, receipts and amounts received

  • US_Recoverable_Depreciation_Claim_Diary_TRACKER.xlsx

    Claim diary: key dates with alerts, contact log, documents sent, payments received

  • US_Recoverable_Depreciation_Claim_Letters_TEMPLATE.docx

    Editable letters to request documents, information or time, to send documents, and to confirm conversations in writing

Who it's for

  • Policyholders paid at actual cash value with depreciation held back
  • People replacing items in batches
  • Anyone with a replacement deadline to follow

How the documents work together

Copy the insurer's valuation into the tracker, log each replacement and receipt, send receipts with the release request letter and log what you receive. The deadline turns amber at 30 days.

Is this the right kit?

Choose this tool once you have your insurer's contents valuation. To build the inventory itself, see the Home Inventory for Insurance Claims.

What's not included

  • Advice about your policy, your coverage or the value of your claim
  • Contact with your insurer, adjuster, landlord or lender on your behalf
  • Negotiation or representation of any kind
  • Pre-filled prices, depreciation rates or deadlines (these come from your records, your policy and your insurer)

Format and delivery

Instant download after payment: a personalized ZIP with Word (.docx) and Excel (.xlsx) files. Works in Microsoft Word and Excel, Google Docs and Sheets, LibreOffice. US Letter page size. 5 downloads within 30 days. Personal use license.

Save with a bundle

Save $37

Claim Starter Toolkit

  • Home Inventory for Insurance Claims
  • Additional Living Expenses (ALE) Tracker
  • Home Insurance Claim Letters Pack
  • Recoverable Depreciation Tracker
$79 $116See the bundle

Questions about this kit

Does it tell me how much I will receive?

No. It estimates the amount you can document; your policy wording decides what is paid.

Where do I find my deadline?

In your policy, your insurer's payment letter and your state's rules. The guide shows where to look.

Can I request depreciation worksheets?

Yes, a letter asks the insurer for the valuation and how depreciation was calculated.

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