Editorial Standards and Publisher

Published by The Click Lab Agency LLC. Last reviewed September 2026. Not legal advice.

propertydamagecalc.com is published by The Click Lab Agency LLC, a California limited liability company based in San Diego. The Click Lab publishes a family of plain-English legal and financial calculators; this site covers property damage and insurance claim valuation.

Who publishes this site

Pages are drafted by the publisher’s staff, checked against the primary sources listed on the methodology page (standard policy forms, federal flood insurance rules, and the court decisions named there), and dated with the month of the last review. We do not use invented author names or credentials, and no one who works on this site is an attorney. If you want a named professional to rely on, that is a reason to consult one — the homepage explains where to get help.

Corrections, questions about how a page was produced, and requests to see the sources behind a specific claim can be sent to hey@theclicklab.agency.

Our Editorial Standards

• Every factual claim about insurance law, coverage rules, and valuation methodology is sourced to a specific statute, regulation, insurance department bulletin, or published court decision. We cite the authority, not general summaries.
• Calculator formulas, depreciation rates, and estimation assumptions are fully documented on the methodology page. Nothing in the calculator is a black box.
• Content is reviewed and updated when insurance statutes change, when state departments of insurance issue new guidance, or when court decisions alter the applicable legal standards for property damage claims.
• No content is sponsored, paid placement, or influenced by insurance carriers, adjusters, or any other commercial relationship. The site earns money from display advertising and from an optional, disclosed attorney-referral form on the homepage; neither changes what the guides say.
• We present ranges and acknowledge uncertainty rather than implying false precision. Property damage claim values depend on specific facts, adjuster decisions, carrier policies, and negotiation — our estimates are starting points for informed conversations, not guaranteed outcomes.

Corrections Policy

If you find an error in our content — a wrong depreciation rate, an outdated state threshold, an incorrect description of the 17c formula, a misstated coverage rule — please contact us at hey@theclicklab.agency with a description of the error and a citation to the correct authority. We review all corrections promptly and update content when errors are confirmed.

We distinguish factual errors from contested areas where practices vary by carrier, state, or policy language. Insurance adjustment practices are not uniform. Where we describe a common practice or industry standard that may vary in your situation, that is disclosure of variability, not an error.

Scope of Content

Our content covers federal and state insurance law, property damage valuation methodology, and general claims procedures applicable to auto, homeowners, and commercial property claims in the United States. We do not cover property insurance in other countries. Readers who need guidance about a specific policy, a specific carrier's adjustment practices, or the laws of a particular state should consult a licensed public adjuster or property damage attorney. Many attorneys handle property damage disputes on contingency for significant claims.

Return to the calculator or see our guides.