Money & Pricing
RCV
Replacement Cost Value: the full cost to repair or replace damaged property, before depreciation is subtracted.
On a real claim
RCV, replacement cost value, is the full cost to repair or replace damaged property with like kind and quality, before depreciation is subtracted. On a claim RCV is often the ceiling, with the carrier paying ACV up front and the balance, the recoverable depreciation, once the work is done. What goes wrong: a contractor budgets the full RCV but never files for the held-back depreciation, and the homeowner is left short. Check what conditions release the RCV balance.
Full guide: xactimate pricing guide 2026
Common questions
What does "RCV" mean in Xactimate estimating?
Replacement Cost Value: the full cost to repair or replace damaged property, before depreciation is subtracted.
Where does "RCV" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow — see the full guide for where it fits.
Put this to work
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