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reimbursement for loss of or damage to personal
clothing. The amount is based on factors such as
the original cost, current market value, length of
time in use, and whether or not the article is
repairable. Articles that can be repaired will be
deleted from the claim and will be repaired
without charge.
You can use the table in figure 3-9 as a
guide for determining claim value for personal
clothing. Use the following steps to calculate
the value:
1. Determine the life expectancy rating for
the article. Basically, life expectancy ratings
are
a. all washable items—2 years, and
b. clothing to be dry cleaned only—4
years.
2. Find out the age of the article from the
owner, then read down the table under the
applicable life expectancy to the age of the
article.
3. Determine the condition of the article either
from investigation or from a statement from the
owner. Three levels of condition are defined in
relationship to the amount of use and care the
article has had.
a. Excellent condition—having the ap-
pearance of an exceptionally well-cared-for
article that looks like new
b. Average condition—having an ap-
pearance expected of an article that has had
reasonable use, considering its age
c. Poor condition—having the appearance
of extensive use, but not of abuse
4. From the age of the article, read right to
the applicable Adjustment Values column and
determine the claim value by multiplying the
replacement cost (cost of acquiring a new article
of comparable quality) by the percentage
figure.
EXAMPLE:
Summer white shirt: Replacement cost—$9.75;
Life expectancy—2 years;
Actual age—11 months;
Condition—average;
Adjustment value—60% of $9.75 = $5.85.
Figure 3-9.—Chart of claims adjustment values.
3-27
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