If your adjusters check is more than the repair cost what do you do?

If there is recoverable depreciation involved in the claim then when you send your adjuster the invoice showing the amount for repairs was less, they will subtract the difference between the adjusters check, and the amount of your invoice, from the recoverable depreciation amount.

Lets say your adjuster estimate the repairs to be $1,000 RCV and they with held $500 in depreciation. So they cut you a check for $500 with the remaining $500 withheld in recoverable depreciation. If you show them that you completed the repairs for less than $500 then they will not return any of the other $500 they withheld for depreciation as you got the repairs completed for less. If you showed then you got the repairs completed for say $800 then they would release $300 of the $500 they were holding and keep the remaining $200. If you showed them the repairs cost the full $1,000 they estimated for the will release the full $500 they were withholding in depreciation.

If there is not recoverable depreciation withheld then forgot everything you just read and keep the change.