Replacement Cost vs. Actual Cash Value: Why It Matters for Your Roof, Structure, and Contents
When it comes to homeowners insurance in Alabama—especially along the Gulf Coast—one of the most important (and most misunderstood) decisions you’ll make is choosing between Replacement Cost (RC) and Actual Cash Value (ACV) coverage. At Gorowsky Insurance, we see this confusion all the time. And unfortunately, many homeowners don’t realize the difference until they file…