Actual Cash Value The replacement cost of property damaged or - TopicsExpress

Actual Cash Value The replacement cost of property damaged or destroyed at the time of loss, with deduction for depreciation. Actual cash value cannot exceed the applicable limit of liability shown in the declarations of the policy, nor the amount it would cost to repair or replace such property with material of like kind and quality within a reasonable amount of time after a loss. In other words, the value of the property when it is damaged or destroyed. This is usually figured by taking the replacement cost and subtracting depreciation.

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