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The Water Cooler
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Homeowners insurance: get familiar with your policy now before something bad happens
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<blockquote data-quote="JD8" data-source="post: 3053320" data-attributes="member: 24"><p>ACV (Actual Cash Value) = Replacement Cost minus depreciation</p><p>RC = Replacement Cost of like, kind, and quality</p><p></p><p>Going to second the notion that mr ed is incorrect in his assessment of claims. If a limb falls through your roof it is likely caused by wind or some other covered peril (homeowner's forms are pretty broad typically) then you are covered....generally... all the way to mold cleanup. Flood insurance has nothing to do with a claim like this, or pipes bursting.</p></blockquote><p></p>
[QUOTE="JD8, post: 3053320, member: 24"] ACV (Actual Cash Value) = Replacement Cost minus depreciation RC = Replacement Cost of like, kind, and quality Going to second the notion that mr ed is incorrect in his assessment of claims. If a limb falls through your roof it is likely caused by wind or some other covered peril (homeowner's forms are pretty broad typically) then you are covered....generally... all the way to mold cleanup. Flood insurance has nothing to do with a claim like this, or pipes bursting. [/QUOTE]
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Homeowners insurance: get familiar with your policy now before something bad happens
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