# Replacement Cost or Actual Cash Value Sets Your Payout – Check the Roof and Belongings

- Source: Money Crashers
- Published: 2026-10-18T12:15:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/replacement-cost-actual-cash-value/
- Canonical: https://groundlevelnews.com/story/replacement-cost-or-actual-cash-value-sets-your-payout-check-the-roof--3408a5/

The difference shows up the day a storm takes your roof. Say hail wrecks your 10-year-old shingle roof, a new one costs $12,000, and your deductible is $1,000. With replacement cost, the insurer pays $11,000 after your deductible. With actual... Source

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