The 10-Year Cliff: How Home Insurance Left the “Full Replacement” Era Behind
If you bought a home twenty years ago, insurance felt like a reliable safety net. If a hail storm shredded your 18-year-old roof, your insurance company would typically write a check for a brand-new one, minus your deductible. It was the era of Replacement Cost Value (RCV), and for homeowners, it was a straightforward deal. […]
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