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What one bill leaves behind

By Utkarsh Tyagi. .
Built by
The Peril Desk editorial desk
What it does
Arithmetic only: deductible, sublimit, depreciation, gap. It renders on screen and stores nothing.

EXHIBIT: YOUR PREMIUM AGAINST THE BILL

We take your deductible off the bill first. Then we cap what is left at the sublimit and hold back recoverable depreciation until repairs prove out. What remains is the first check, and that is the whole method.

Estimate. Round numbers work here, and the premium only moves the percentage in the finding line.

Use the number a contractor would put on paper for the repair, today.

Deductibles decide who pays first, and that is why the form asks for yours.

A sublimit is a per-category cap printed inside the policy form, and water backup, mold, and code upgrades each carry their own.

Where the claim payment goes

The bill$22,000

Deductible−$2,500

After deductible$19,500

Capped at the sublimit$5,000

Depreciation held back−$1,000

First check$4,000

The gap$17,000

FINDING: on this bill the policy pays $5,000 at most. The gap is $17,000. The annual premium is 4 percent of the bill.

This is arithmetic, not advice and not a quote. Your declarations page holds the real numbers.

Assumptions: 20 percent recoverable depreciation, held back until repairs prove out. As of July 2026.

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