Short answer: Sometimes, yes — even an approved, paid claim can affect your rate at renewal, separate from any claims-free discount you might lose. We factor this into our honest recommendation before you file. Long answer: Two different things can happen to your rate after a claim, and they’re often confused with each other. First, […]
Short answer: RCV (Replacement Cost Value) is what it costs to replace the item new today. ACV (Actual Cash Value) is RCV minus depreciation for age and wear. Your policy determines which one you’re paid on, and it changes what you actually collect. Long answer: These two terms show up on nearly every estimate, and […]
Short answer: It depends on whether the repair cost clears your deductible and what it could cost your claims-free discount. We’ll give you a free, honest read on both before you decide — sometimes that means telling you not to file. Long answer: Filing a claim only makes financial sense if the repair cost meaningfully […]
