The TPA will notify the insured of the insurers decision in writing. Then the insurer will submit payment to the insured (if deemed appropriate), taking into account any deductibles, depreciation, or co-insurance penalties. Depending on whether the policy is Actual Cash Value or Replacement Cost settlement method, the client may receive the claims payment in either one check, or two checks, the second being to recover depreciation (following submission of photographs of the completed work, certificate of completion/invoice for the work completed, and proof of payment showing the amounts paid for repairs. These could include: Cleared checks, bank/credit statements, material receipts, among other documentation).