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.
Recoverable Depreciation: If your property is damaged during a storm, your insurer will take into account the amount of value your damaged property has lost due to age (depreciation). Today, most homeowners have recoverable depreciation which bridges the gap between the value of the loss and the cost of the repairs. If you do not have recoverable depreciation you will only be reimbursed for the value of your lost property, not the cost to replace it. Make sure you have the recoverable depreciation endorsement on your homeowners policy so you are covered for the entire cost of repairs on your property. Code Upgrade Coverage: We see more and more customers every year without this endorsement on their policy which can be quite costly in the event of a claim.