How the worksheet does the math
For each row, depreciation is age ÷ expected life times the replacement cost, capped at the percentage you choose. ACV is replacement cost minus depreciation. Your first payment is total ACV minus the deductible; the difference between that and the full replacement cost (less deductible) is what’s typically held back until the work is complete.
Where Maryland estimates get argued
- Low-slope rowhouse roofs — expected life assumptions for modified bitumen, TPO and coatings vary a lot, and so does depreciation.
- Labor depreciation — whether labor can be depreciated is a policy and legal question; flag it rather than assume.
- Plaster and older finishes — a 1910 plaster wall shouldn’t be depreciated as if it were 1990 drywall at the end of its life.
If you want the size of the overall dispute rather than the payment schedule, try the claim gap & fee estimator.
Questions about this tool
When do I get the held-back amount?
Usually after repairs are complete and you send proof such as invoices. Your policy sets the time limit, so check it before you start work.
Why is my depreciation higher than the worksheet shows?
The carrier may be using different life expectancies, a higher cap or depreciating labor. Compare line by line; those choices are often negotiable or reviewable in appraisal.