Free sample report
This sample shows a replacement-cost-minus-depreciation valuation alongside a scope of repair, which is how most first-party property claims are presented to a carrier.
The sample is the complete report as a watermarked PDF, using illustrative figures, not real project data. Your own report is generated live from the numbers you enter and is not watermarked.
Ten to twenty minutes for a multi-trade scope, most of it entering the line-item estimate. A single-trade loss takes a couple of minutes.
Depreciate each trade on its own age and life rather than applying one blended rate. A ten-year-old roof and new interior finishes do not depreciate alike and a blended rate is the first thing a reviewer challenges.
Nothing you enter is uploaded. The calculation and the parsing of any spreadsheet you import happens entirely in your own browser.
The report separates replacement cost from actual cash value at every line rather than only at the total, so it is clear exactly where depreciation was applied and how much. The labour percentage appears as its own input, because in states that bar depreciating labour that split is the whole argument.
Adjusters and carrier reviewers look for the basis of the effective age, the age-life source and whether recoverable depreciation is stated as its own figure rather than netted into the total. All three are on the face of the report.
Public adjusters and policyholder-side contractors, restoration companies preparing supplements and attorneys handling coverage or bad-faith disputes where the ACV calculation itself is contested.
Whichever you are, the arithmetic is free: run the calculator as many times as you like and pay only when you want the branded, citation-backed document assembled.
No. Every sample uses illustrative figures rather than real project or claimant data. The point is to show the layout, the level of detail and the methodology, so you can judge whether the finished report is what you need before you pay for one.
The sample is a watermarked PDF. A paid report is unwatermarked, carries your own logo and company details and comes as a live-formula Excel workbook and an editable Word document alongside the PDF.
Yes. The Excel workbook keeps working formulas rather than pasted values, so changing an input updates the totals. The Word document is a normal editable document.
RCV = Affected Square Footage × Replacement Cost per Square Foot.
min(Effective Age ÷ Total Useful Life, 100%) × RCV, the straight-line age/life method.
ACV = RCV − Depreciation Amount. State law varies: some jurisdictions define ACV as fair market value or apply the broad evidence rule rather than replacement cost less depreciation.
Eight states prohibit depreciating the labour component of a property loss. Where that applies, age/life depreciation falls on the materials portion only and the actual cash value is correspondingly higher. ClaimDuke classifies all 51 jurisdictions as prohibited, permitted or unsettled, applies the rule for the state you select and states its position on the methodology page of the report.
Hard Cost + (Hard Cost × (Engineering/Permit% + Contingency%)).
The sample PDF above shows the report. This is the Full Line-Item Breakdown sheet from the formatted Excel workbook a paid report also includes, rendered from an actual generated workbook rather than a mock-up. Every figure on it is a live formula reading from an Inputs tab, so changing an input recalculates the whole workbook.
The sample is a fixed, watermarked PDF. A paid report is generated live from your own figures and adds a formatted Excel workbook with working formulas, a matching Word document, an unwatermarked PDF and your own logo or letterhead. The monthly plan additionally includes a Scenario Comparison sheet for modelling conservative, likely and aggressive positions.
