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Claim Guide HQ

Policy & Payout Basics

ACV vs. replacement cost, deductibles, depreciation, and how payouts actually work.

Policy & Payout Basics

Recoverable Depreciation: How to Claim Your Second Check

Recoverable depreciation is the withheld portion of a replacement-cost claim. Learn how the two-check process works and how to collect your insurance second check.
Policy & Payout Basics

Actual Cash Value vs. Replacement Cost: What You Get Paid

Replacement cost (RCV) pays to replace property without deducting depreciation; actual cash value (ACV) subtracts it, so it pays less. Here's the real difference.
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