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Reading Your Policy Can Save You Thousand$

Do you have an RCV or ACV homeowners policy?  The difference between these two policies can amount to several thousands of dollars out of pocket.  The Replacement Cost Value (RCV) is the value of replacing your damaged items with current market rates.  The insurance company will then depreciate these items based on their age and compare them based on their useful life expectancy.

For example: a roof shingle that has a thirty year warranty and is ten years old will have a depreciation ratio of 10/30.  The formulated depreciation amount is subtracted from the RCV to reach the Actual Cash Value (ACV).  If you have a RCV policy, the depreciation that is retained by the insurance company will be issued to you after the replacement of your damaged items is complete.

If you have an ACV policy the depreciation that is retained by the insurance company is non-recoverable and you will not be issued this amount.  The benefit of an ACV policy is a lower monthly premium payment, which makes it attractive for rental properties and non living structures such as barns.  You should discuss the pros and cons of each type of policy with your agent to determine which is best for your situation.

These are very basic insurance concepts.  To have more detailed policy and claim questions answered you can visit http://hailandwind.com/discussion/. You can also acquire more detailed information from your state's Department of Insurance website, and you can call your insurance agent if you need to make any changes.  He or she will be happy to take your call.

It only takes about an hour to read your insurance policy, and you should read it every time it is renewed.  Make sure you know what is excluded and endorsed.  Find out if you can afford your deductible in the case of a claim.  Match your policy limits to the value of your property, plus 15-20%, and determine which policy you need, ACV or RCV.  One hour of your time could save you thousands!

About the Author

Greg Cannon is  a published Expert Author and former insurance adjuster with 15 years of home building experience.  He earned his Navy Achievement Medal, and his commendations from the White House and two Fleet Admirals in just four short years of service in the U.S. Navy. He attended Angelo State University with a major in real estate finance, and holds nine construction trade certifications including: Solar Photovoltaic and Certified Building Analyst. Mr. Cannon has worked as an independent insurance adjuster in the past, and he keeps his insurance adjuster's license current in order to better serve his customers as a storm damage repair contractor.  He currently resides in Nichols Hills, OK and you can visit Greg Cannon's web site, which divulges contractor and insurance company secrets, at www.HailandWind.com.

What is Better Apple Cider Vinager or Green tea to loose weight?

I have been drinking Green tea for like a week and it has helped me but now I herd ACV is really good too but I don't want to drink both.
I really want to loose weight I don't mind the taste of them but I have herd more good things about ACV then Green tea plus it helps the skin and do on. What can I do?

Apple Cider Vinegar