What may be requested after completion
Carriers commonly request proof that covered work was completed, such as a final invoice, completion documentation, photographs or other records. Requirements vary by policy and carrier.
Direct answer
Depreciation is a reduction in value based on factors such as age and condition. On some replacement-cost policies, part of that depreciation may be recoverable after eligible repair or replacement work is completed and policy requirements are met. The exact release process comes from the policy and carrier, not from the contractor.
Ask for the depreciation breakdown
Ohio Rule 3901-1-54(I)(2)(a) says that when its ACV provision applies, the insurer shall provide documentation detailing all depreciation deductions upon the insured's request.
Recoverable vs. nonrecoverable depreciation
Whether depreciation is recoverable depends on the policy and the item. Do not assume all withheld depreciation will be released.
Demore's role
We can provide final construction invoices, scope information and completion documentation for work we performed. The carrier decides whether additional claim funds are payable.
Primary source
This page is educational and summarizes the cited Ohio source. Policy language and claim facts matter.
Ohio Administrative Code 3901-1-54Common questions
When is recoverable depreciation paid?
Timing depends on the policy and carrier process. It is commonly reviewed after eligible work is completed and requested documentation is submitted.
Can Demore request the release paperwork?
We can provide contractor completion documents and invoices and can send them to the claim contact when authorized by the homeowner.
What if the carrier's depreciation calculation is unclear?
The insured can request the depreciation documentation described in Ohio Rule 3901-1-54(I)(2)(a) when that rule provision applies.
Need contractor documentation?
Demore can inspect the exterior, document conditions and prepare a construction estimate or repair scope.
General educational information only. Demore Exterior Solutions is a contractor, not a law firm, insurer or public adjuster.