Templates
Estimating and reserves
Repair estimate summaries, reserve rationale memos, actual cash value and depreciation worksheets, and business interruption calculations — each with a filled-in example showing the arithmetic.
A number without a rationale is a number that gets changed by whoever reviews it next. The reserve memo and the depreciation worksheet exist so a figure can be defended by someone who was not the person who set it.
These templates show the working, because the working is what survives a file audit and what a reviewer is actually looking for.
4 templates in this section
Reserve Rationale Memo Template & Example
A reserve rationale memo template with a filled-in example showing the arithmetic, the assumptions and the triggers that would move the figure. Free Word download, no signup.
Template + worked example + .docx
ACV & Depreciation Worksheet Template & Example
An actual cash value and depreciation worksheet with a filled-in example showing age, life and condition inputs line by line — plus what actually varies by state. Free Word download, no signup.
Template + worked example + .docx
Contents Inventory & Total Loss Inventory List Template
Contents inventory and total-loss inventory list template with a room-by-room fire example, depreciation and ACV calculations. Free Word download.
Template + worked example + .docx
Additional Living Expense Worksheet Template & Example
An additional living expense worksheet with the normal-versus-incurred arithmetic worked line by line, plus how to record a file where no ALE is payable. Free Word download, no signup.
Template + worked example + .docx