Free Claim Estimate & Timeline Tools
Know what a claim should pay before the cheque arrives
Four tools for the claims process: estimate a settlement after depreciation and the deductible, turn expected timeframes into real dates, work out why a payment came back low, and capture the documentation while it still exists.
Claim Payout Calculator
Estimate a property claim settlement after depreciation, salvage and the deductible, on either an actual cash value or replacement cost basis.
Result
Estimated payout
$8,800
Your net cost
$15,200
- Settlement basis
- Actual cash value
- Replacement cost
- $24,000
- Actual cash value
- $10,800
- Depreciation applied
- $13,200
- Recoverable depreciation
- $0
- Deductible applied
- $2,000
- Salvage deducted
- $0
This is an estimate based on the values you entered. Actual premiums, coverage, eligibility and pricing vary by provider and by individual circumstances.
Actual cash value settles at replacement cost minus depreciation. Replacement cost policies often pay the depreciated amount first and release the rest once the item is actually replaced.
This is not a claim decision. Only your adjuster, working from the policy wording, can determine what is payable.
Read the full guide, worked examples and FAQ for this calculator →
Popular tools
The calculators visitors to InsuranceClaimsTools open most often.
- Claims
Claim Payout Calculator
Estimate a property claim settlement after depreciation, salvage and the deductible, on either an actual cash value or replacement cost basis.
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Claim Timeline Calculator
Build a dated timeline from the loss to settlement so you know when each stage should have happened and when to follow up.
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Claim Shortfall Calculator
Work out why a settlement came back below the repair estimate, and how much of the gap is a coinsurance penalty for insuring below value.
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Claim Documentation Checklist
Work through everything a property or vehicle claim needs, from the first call to final settlement, and keep the progress on your own device.
Open calculator →
Two things go wrong in most difficult claims. The evidence is not captured while it exists, and nobody knows when a stage has actually stalled. Both are fixable in the first week, and neither is fixable afterwards.
These tools address both. They also set expectations about the settlement itself, because the largest single surprise in a property claim is depreciation - a policy settling on actual cash value pays what the item was worth, not what a replacement costs.
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Claims
Estimate settlements, timelines and what a claim leaves you paying.
Why use InsuranceClaimsTools
Depreciation made visible
Actual cash value and replacement cost settle very differently. The payout calculator applies both, including the recoverable depreciation held back until work is done.
Dates rather than vague timeframes
Turn "about a week" into a date, so a delay is visible on the day it starts instead of a month later.
Shortfalls explained
When a settlement comes back far below the estimate, the coinsurance penalty is often the cause. The calculator shows how much of the gap it accounts for.
Nothing uploaded
The documentation checklist saves progress in your own browser. No account, no upload, and nothing shared with any insurer.
How it works
- Start the documentation checklist on the day of the loss - several items expire within 24 hours.
- Build the timeline so you know when each stage should have happened.
- Estimate the payout so the settlement can be checked rather than accepted.
- If it comes back short, use the shortfall calculator to find out why.
Frequently asked questions
Can this site tell me if my claim will be paid?
No. Coverage depends on the policy wording, the cause of loss and the facts, and only your adjuster can determine what is payable. These tools estimate amounts and dates from figures you supply.
Why is my settlement lower than the repair estimate?
Usually depreciation, the deductible, a coverage limit, an exclusion, or a coinsurance penalty. The payout and shortfall calculators quantify the first three and the last one.
What is recoverable depreciation?
On a replacement cost policy, the amount held back from the first payment and released once the repair is completed and documented. There is normally a deadline for claiming it.
Is the checklist stored anywhere?
Only in your own browser. Nothing is uploaded, and you can download it as a text file to keep with your claim records.
Is this legal advice about my claim?
No. It is arithmetic and organisation. For a denied or seriously underpaid claim, the routes are the carrier’s complaints process, your state insurance department, or a licensed public adjuster or attorney.