The hemoglobin test is often used to check for anemia, usually along with a hematocrit or as part of a complete blood count (CBC) . The test may be used to screen for, diagnose, or monitor a number of conditions and diseases that affect red blood cells (RBCs) and/or the amount of hemoglobin in blood. Screen for, diagnose, and measure the severity of anemia (low RBCs, hemoglobin and hematocrit) or polycythemia (high RBCs, hemoglobin and hematocrit). 2  Monitor the response to treatment of anemia or polycythemia. 3  Help make decisions about blood transfusions or other treatments if the anemia is severe.
The full replacement cost of the roof is $10,000. The insurance adjuster âdepreciatedâ the roof 50% â an arbitrary number â based on its age, so the Actual Cash Value of the roof is now $5,000. The recoverable depreciation also happens to be $5,000 ($10,000 replacement value less $5,000 Actual Cash Value). The policy ownerâs deductible is $1,000. The insurance company will initially make a payment to the policy owner for $4,000.
If the roof is 10 years old at the time of your loss and it requires replacement, we would subtract 40% depreciation (10 years x 4% a year) from your replacement cost estimate to determine the ACV of your roof.Please keep in mind that the condition of an item may also factor into the depreciation calculation.f you purchase a replacement laptop for $900 and submit a request for the recoverable depreciation, Travelers will reimburse you $300 â the difference between the ACV of your previous laptop ($600) and the cost of your new one ($900).