Replacement Cost vs Actual Cash Value: The Difference That Ruins Claims — Pennsylvania Guide
Actual cash value pays replacement cost minus depreciation. A ten-year-old roof with a twenty-year life is worth half of what a new one costs,…
1 in-depth guide · updated November 2026
Practical, plain-English guidance on drivingproofrequirements — what the policy pays, where the gaps sit, and how to keep the premium honest.
Actual cash value pays replacement cost minus depreciation. A ten-year-old roof with a twenty-year life is worth half of what a new one costs,…