If you have replacement cost coverage (as opposed to actual cash value (=depreciated value) you typically have to use it to reconstruct the home if you want the

If you have replacement cost coverage (as opposed to actual cash value (=depreciated value) you typically have to use it to reconstruct the home if you want the full amount. This is typical. "We will pay no more than the actual cash value of the damage until actual repair or replacement is complete." [0] [0] https://www.iii.org/sites/default/files/docs/pdf/HO3_sample.pdf https://www.iii.org/sites/default/files/docs/pdf/HO3_sample....