Major Appliances often represent significant household investments and play a key role in contents claims. From built-in refrigerators to washer-dryer combos, these are high-ticket items that insurers must evaluate carefully—especially in fire, flood, and theft-related losses.

Adjusters rely on accurate depreciation schedules to distinguish between functional and cosmetic damage, assess obsolescence, and account for brand-specific value retention. This category encompasses essential fixtures found in kitchens and laundry rooms, where environmental factors like moisture and electrical surges frequently accelerate wear and tear.

Refer to this resource when determining ACV and RCV during total loss inventories or partial contents assessments. These values are particularly relevant when coordinating with restoration vendors or negotiating settlements involving appliance bundles or extended warranties.