Replacement Cost– Let’s Talk About Loss Settlement

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What would happen if you lost your house to a fire and decided not to rebuild? Will the insurance company pay out for the entire amount to replace your home?

If you are insured for replacement cost and insured for the correct amount to replace/rebuild, you will get a check from the insurance company in the amount to rebuild or replace. This is only the case if you intend to rebuild. If you decide not to rebuild after the loss you will get a check for actual cash value, which is rebuilding minus depreciation. Give us a call if you need more information on loss settlements!

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