How can a homeowner get recoverable depreciation money from a home owners claim?

You Can't. When we buy home owners insurance we basically have two options for the coverage type.

1. RCV, Replacement Value
2. ACV, or depreciated Value

If you purchased an RCV ( replacement ) policy then the company will pay the amount needed to either repair or replace the property within the policy limits you purchased..

If you purchased an ACV (depreciated Value) policy then they will pay the amount needed to repair the property or they will pay you the depreciated cash value of the property if not repairable whichever is less and within policy limits.