Q: How do you calculate the value of my personal property during a claim?

A: To calculate the actual cash value, or ACV, of an item, take the replacement cash value, or RCV, which is the cost to purchase the item now, multiply it by the depreciation rate, or DPR a percentage, and the age of the item. Then, subtract that value from the RCV. ACV=RCV - (RCVDPRAGE).