10/15/2026
A covered business loss can raise an important question: Will your policy pay actual cash value or replacement cost value?
Actual cash value (ACV) generally reflects an item’s value after depreciation. Replacement cost value (RCV) is designed to help cover the cost of replacing damaged property with comparable new items, subject to your policy terms, limits, and deductible.
That difference can have a real impact on your recovery after a loss.
Swipe through to see how ACV and RCV coverage work, then contact our Hutton Blews Insurance team to review your commercial coverage and understand what your policy may provide.
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