Fundamentos de Seguro de PropiedadPregunta 260 de 531
When an adjuster depreciates a nine-year-old commercial carpet to reach actual cash value, the deduction is measured by the carpet's:
a.Gap between market value and the limit
b.Share of the limit the loss represents
c.Total premium the insured has paid in
d.Age, wear and remaining useful life
Explicación
Depreciation measures the value the property has already used up: its age, its physical wear, and how much serviceable life was left the moment before the loss. Premium paid is irrelevant to valuation, because premium buys the promise rather than measuring the loss. The proportion of the limit a loss represents belongs to the coinsurance test, which asks whether enough insurance was bought, not what the carpet was worth.
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