SAMPLE Learn replacement-vs-acv hub ladder deepen · 5 rungs · Wave 847
SAMPLE deepen — hub · assess · share · tradeoff · deeper ladder on /learn/replacement-vs-acv.
Wave 847 · Learn replacement-vs-acv hub ladder deepen on /learn/replacement-vs-acv (≠ homeGuidance / learnHubLadderDeepen / learnSeedContent).
Rungs
5
≠ learnHubLadderDeepen
Kinds
5
Ladder variety
Wave
847
Package 38.6.0 tip
- Rung 1hubHub · SAMPLE
SAMPLE hub ladder stub.
- Rung 2assessAssess · SAMPLE
SAMPLE assess ladder stub.
- Rung 3shareShare · SAMPLE
SAMPLE share ladder stub.
- Rung 4tradeoffTradeoff · SAMPLE
SAMPLE tradeoff ladder stub.
- Rung 5deeperDeeper · SAMPLE
SAMPLE deeper ladder stub.
SAMPLE Learn replacement-vs-acv hub ladder deepen — ladder on /learn/replacement-vs-acv. Distinct from related packs (homeGuidance / learnHubLadderDeepen / learnSeedContent). Not live payments, production CRM, claims filing, or licensed advice.
Replacement cost vs actual cash value
After a fire or wind loss, dwelling settlement decides whether you can rebuild or eat depreciation. Parity flags marketplace quotes that settle dwelling at ACV so a lower premium is not mistaken for parity.
Why settlement type matters
Homeowners forms often advertise a dwelling limit — but the form language may pay replacement cost (RC) or actual cash value (ACV). RC aims at rebuild with similar materials. ACV subtracts depreciation for age and wear. On an older roof or HVAC, ACV can leave a five- or six-figure gap.
What a total loss pays
Replacement cost: Rebuild cost for a similar home at today’s labor and materials — land value is separate.
ACV: Actual cash value: replacement minus depreciation. An older roof or HVAC can cut the check sharply.
Why ACV quotes look cheaper
Replacement cost: Higher dwelling / RC premiums reflect rebuild risk. Parity prefers RC when you own and would rebuild.
ACV: Lower sticker premiums often hide ACV dwelling. Cheap is not parity if a fire leaves you short of rebuild.
Marketplace trap
Replacement cost: RC dwelling + adequate limit (≥ ~80% of home value as an educational floor) is the baseline for owners.
ACV: ACV dwelling with a thin limit is double exposure — depreciated payout on an under-insured rebuild.
Pair with dwelling adequacy
Even RC under-insures when the dwelling limit sits well below rebuild cost. Parity warns when dwelling is under ~80% of the household home value you enter in Settings or Start — an educational coinsurance-style floor, not advice.
Also watch water backup and wind/hail
Sewer/drain backup is often excluded from base HO-3 — dropping a water backup rider that your current policy carries is a parity regression. Separate wind/hail deductibles can dwarf the all-other-perils deductible after a storm.
Educational only — not insurance advice. Replacement cost, ACV, water backup, and wind/hail terms vary by form and state. Confirm with a licensed agent before binding.