If your acv policy has a 2 000 deductible you pay that amount first then the insurance company pays the remaining 4 000 so if a new roof costs the same 10 000 you re responsible for 6 000 2 000 deductible 4 000 difference in cost. If you have an acv policy you get your check and that s it. You have to come up with the actual amount to do repairs on the property and replace contents.
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