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

Source: Money Crashers · Oct 18, 2026 12:15 UTC

Satellite view of Hurricane Matthew over the Caribbean on a full-disk Earth image — File photo NASA · Public domain · Source

The Quick Take

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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