Editorial Team

Reviewed by our editorial team. Updated May 2026.

All content on propertydamagecalc.com is written, reviewed, and updated by The Click Lab's editorial team before publication. This page describes our editorial standards, our team's credentials, and how to submit a correction.

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. Our only revenue is Google AdSense display advertising, which has no editorial relationship with our content.
• 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If you find an error in our content — a wrong depreciation rate, an outdated state threshold, an incorrect description of the 17c formula, a misstated coverage rule — please contact us at hey@theclicklab.agency with a description of the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.

Property Damage & Insurance Claims Practice

Our editorial team oversees all editorial content on propertydamagecalc.com, drawing on a background in property and casualty insurance claims, with experience in first-party property adjustment, valuation methodology, and coverage dispute resolution, including claims involving residential and commercial property damage, auto total losses, and diminished value disputes. This side of the team reviews all new content and all updates for accuracy against current carrier practices, state insurance regulations, and applicable case law governing property damage claims.

Casualty & Liability Claims Reference

Our team also contributes research and drafting for guides covering third-party liability claims, negligence damages, and the intersection of property damage recovery with civil litigation, drawing on a background in insurance defense research and analysis of state-specific property damage laws, total-loss statutes, and diminished value jurisprudence. This side of the team focuses on accuracy in the procedural and legal dimensions of property damage recovery that go beyond standard first-party adjustment practices.

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.