What does total recoverable depreciation mean?
Where it appears
On most estimates, the summary page lists total recoverable depreciation near the bottom, often with a note that it may be claimed after repairs are complete. It may also appear per coverage: dwelling, other structures, and contents.
How it is built
Each line item has a depreciation figure. The total adds up the recoverable ones. Non-recoverable depreciation is listed separately and is not part of this total.
How it changes during a claim
- Supplements: approved additions bring their own depreciation, raising the total.
- Reinspections: a revised scope changes it.
- Partial releases: as you finish parts of the work, released amounts come off what remains.
- Age corrections: fixing a wrong roof age changes both depreciation and actual cash value.
What you will actually receive
Up to the total, limited by what you actually spend and what you actually complete. If your contract matches the estimate and you finish everything within the policy's time limit, expect the full figure. If the check comes in lower, ask the insurer which lines were held back and why; the answer usually points to one missing item or one invoice question.
Related: recoverable depreciation on a roof, roof supplements, and Xactimate estimates.