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.
-- Okemah, Okla. Recoverable depreciation refers to homeowners insurance payments that are normally held back until the insurance carrier verifies that the damages are repaired. Factors that can affect the method and amount of your payment include whether the house has a mortgage, and what the repairs cost. These variables might determine whether or not the recoverable depreciation is held back, as well as when -- and to whom -- it is paid. If you have roof damage and your home has no mortgage outstanding, the recoverable depreciation may be issued to you at the same time as the check for the repairs. It may even be combined into the same check. The same may be true if the total costs for the roof repairs are less than $5,000.