When the adjuster says your $2,000 sofa is "worth" $800, this is the math they used. Now you can run it too, and see what they owe you back.
Estimates use typical useful-life schedules with straight-line depreciation and a floor of 20% of replacement cost. Carriers use their own schedules and adjust for condition, so treat this as a strong ballpark, not a quote. Land, antiques, and appreciating items work differently.
Adjusters apply depreciation to nearly every line of your claim: contents, roofing, flooring, paint. Each line looks small. Across a whole house, it's routinely tens of thousands of dollars.
On an RCV policy most of it is recoverable, but only if you replace the items, keep the receipts, and file for it before the deadline in your policy. Carriers are not going to chase you to give it back.
ClaimFair's toolkit runs this math on every item in your inventory automatically, tracks the deadline, and folds the total into your offer gap.