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Policy Questions

Policy Questions

Do you fully understand the terms
and conditions of your policy?

• Duties After A Loss

• Covered Losses

• Difference between ACV (Actual Cash Value) vs. RCV (Replacement Cost Value)

• Exclusions and special limits

• Depreciation

• Fair Rental Value vs. Additional Living Expense

• Guaranteed replacement cost

• Is co-insurance applicable to your claim

• Appraisal clause

• Proof of loss

• Do you know what an examination under oath is?

 O'Toole has the answers to settle your claim.