ACV vs RCV
Actual Cash Value (ACV) is replacement cost minus depreciation; Replacement Cost Value (RCV) is the full cost to replace, paid out after work is complete.
Most policies pay ACV upfront and release the depreciation holdback (the difference between ACV and RCV) once the contractor submits a Final Invoice and proof of completion. Educating the homeowner on this is critical to collecting the full claim.
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