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Free property damage claim calculator for repair or replacement estimates, diminished value, other costs, offsets, and comparative fault. Use with other Legal & Compliance tools—illustrative only, not legal advice.
Last updated: April 19, 2026
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Common for vehicle damage; use 0 if not applicable.
Towing, storage, rental/loss of use, personal items—approximate as needed.
First-party deductible or other subtraction from gross (use 0 for pure third-party modeling).
Use 0% if you treat the claim as full liability against another party.
Repair / replace
$18,500
Diminished value
$3,200
Other costs
$1,200
Subtotal (before offset)
$22,900
After deductible / offset
$22,400
After comparative fault
$20,160
Range low
$16,531
Range high
$22,579
Formula summary
Repair/replace $18,500 + diminished value $3,200 + other $1,200 = $22,900 − offset $500 = $22,400 × 90% recovery
Illustrative net after offset ~$22,400; after 10% comparative fault, ~$20,160. Typical negotiation band about $16,531 – $22,579.
Important:
Best for
Pre-litigation
Separate DV and rental from body labor for clearer demand narratives.
Best for
Comparative fault
Adjust claimant fault when liability is split between parties.
Best for
Vehicle claims
Toggle DV to see swing in the illustrative total.
Best for
ADR planning
Share a common baseline for property specials before discussing generals elsewhere.
Best for
Coverage review
Compare illustrative PD to property damage limits separately.
Best for
Expectations
Repair base, DV, offsets, and fault drive most of the swing in this model.
$18.5k repair, $3.2k DV, $1.2k other, $500 offset, 10% fault—illustrative after comparative fault:
After comparative fault
$20,160
Illustrative range
$16,531 – $22,579
Add repair or replacement, diminished value, and other property-related costs. Subtract a deductible or offset to approximate what applies to your situation. Apply comparative fault to the remainder to show an illustrative net recovery, with a low–high band for negotiation.
Subtotal = repair + diminished value + otherAfter offset = max(0, subtotal − deductible/offset)Net = after offset × (100% − your fault %)Pure comparative fault states reduce recovery proportionally; a few jurisdictions use modified comparative rules not modeled here.
Property claims: scope of damage, valuation, then limits and coverage
Net after fault: $20,160; range $16,531 – $22,579.
Policy limits and valuation disputes can reduce net recovery; verify with counsel or your adjuster.
Share it with anyone evaluating a property damage claim
Suggested hashtags: #PropertyDamage #InsuranceClaim #CarAccident #Settlement #Calculator