Is Litigation Easier With One Type Of Insurance Policy Versus The Other In A Fire-Loss Case?

Which fire-loss policy is better for litigation—cash value or replacement cost? The litigation itself is similar, says Pierce County, Washington attorney Spencer Freeman, though replacement-cost cases raise more issues to litigate. The real advantage of replacement-cost coverage is access to funds: it gives a homeowner far more to actually rebuild. So check which policy you have—replacement cost wins.

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