/ Insurance RCV

Replacement cost value,
without the rework.

Built for the carrier-side workflow: regional, current, defensible, and exportable to the formats your adjusters and contractors already use. The number gets accepted without revision.

Xactimate-compatible Regional pricing live Coinsurance scenarios
/ / Workflows

From carrier to contractor.

Underwriting RCV

Set policy limits with confidence. Bulk-RCV your book in a single batch with state-calibrated cost models.

Field adjustment

Storm-response and routine claims. Mobile-first, photo-attachable, regional pricing live.

Restoration estimating

Contractor side: produce an RCV the carrier accepts. Xactimate-compatible line-item output.

Coinsurance review

Flag underinsured properties before the next renewal. Portfolio-wide RCV refresh in one run.

Total-loss workups

Total-loss RCV with depreciation schedule, code-upgrade allowances, and demolition cost.

Catastrophe response

Surge pricing applied transparently. Audit trail preserved when the dust settles.

/ / Why carriers use it

Built for the way the industry actually works.

Live regional pricing

Labor and materials move fast in catastrophe regions. Replicost reprices daily so the policy limit reflects the market on the date of loss, not last year's manual.

Xactimate-compatible export

Drop the RCV into the workflow you already have. Line items, codes, and unit pricing translate cleanly into the formats your carrier and contractor partners use.

Reproducible from any date

Historical snapshots mean you can defend an RCV from 18 months ago using the same data the original report was built on. Subrogation and bad-faith defense without the scramble.

Designed for litigation

Every RCV ships with a methodology appendix and sourced citations — the artifacts that make the difference in coverage disputes and bad-faith claims.

/ Ready when you are

Stop arguing with the carrier.

Give us a sample property and we'll show you an RCV your adjuster and contractor will both accept.

EST. 2014 · LITIGATION PROVEN · USPAP-COMPLIANT