Actual Cash Value

The ACV Mirage: Insurers Try to Turn Coverage into Scrap Value

May 09, 2026 By Chip Merlin

Policyholders May Lose Replacement Cost Benefits Because of Their Testimony

Apr 17, 2026 By Lantz Savage and Chip Merlin

Insures Don’t Get to Deny and Escape RCV Promises

Feb 07, 2026 By Chip Merlin

The Price of Homeownership: When Insurance Becomes the Breaking Point

Nov 08, 2025 By Chip Merlin

The Stupidity of Taking Matching Out of Actual Cash Value

Nov 06, 2025 By Chip Merlin

Glens Falls Revisited: Actual Cash Value, Matching, and the Measure of True Indemnity in Florida

Oct 16, 2025 By Chip Merlin

Is an Insurance Company’s Underpayment a Breach of Contract? A Florida Court Says Maybe Not

Oct 09, 2025 By Chip Merlin

When Proof of Value Sinks a Claim: Actual Cash Value Matters

Sep 17, 2025 By Chip Merlin

Public Adjusters: Actual Cash Value and Complete Expert Reports are Essential

Sep 02, 2025 By Chip Merlin

Homeowners Can Claim Replacement Costs Even if Repairs Aren’t Done

Jun 19, 2025 By Chip Merlin

ACV, RCV, and GCOP: Why the Ninth Circuit’s Ruling Matters to Claims Professionals and Policyholders

Apr 18, 2025 By Chip Merlin

Bill Wilson Explains the Myth of the 180-Day Replacement Period

Jun 30, 2024 By Chip Merlin