How Depreciation Actually Works on Insurance Claims — and How Not to Get Shortchanged

https://blogfreely.net/neasalnfbo/why-long-term-homeowners-often-lose-smoke-damage-claims-and-what-to-do-about-it

You file a claim after a pipe bursts or a burglary. The adjuster inspects, nods, and then you get a check that feels... low. The reason most people get confused and frustrated is depreciation. Insurers reduce payouts for the age and wear of items