Glossary · coverage
Personal Property Replacement Cost
RCV coverage for contents.
Not universal; some policies use ACV for contents even when dwelling is RCV. Contents RCV requires replacement documentation to release depreciation.
In practice
Where you encounter "Personal Property Replacement Cost"
Policyholders see "Personal Property Replacement Cost" referenced in policy language, claim correspondence, and scope documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See FS 626.854 on public adjuster representation and FS 627.70131 on carrier duties.
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Know these too
Related terms
Appurtenant Structures
Structures on your property attached or functionally related to the main dwelling.
Agreed Value
Policy coverage at a pre-established value, not current market value.
All-Other-Perils Deductible
The standard flat-dollar deductible for non-hurricane/storm perils.
Blanket Coverage
A single limit applies across multiple locations or coverage categories.
Builder's Risk
Insurance for property under construction.
Business Interruption
Coverage for lost income when property damage halts business.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your representation rights.
FS 627.70131 Carrier Duties
Statutory deadlines.
FS 627.70132 Notice
When you must file.
FS 627.7142 Bill of Rights
Homeowner claim bill.
FS 626.9744 Matching
Reasonable matching requirement.
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A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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Related resources
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Glossary
Related insurance terms
Partial Loss
Related glossary entry: Partial Loss.
Deemed Rejected
Related glossary entry: Deemed Rejected.
Additional Insured
Related glossary entry: Additional Insured.
Exclusion
Related glossary entry: Exclusion.
HO-6 Policy
Related glossary entry: HO-6 Policy.
Cost of Service
Related glossary entry: Cost of Service.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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