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Used to cover damage not included in the original estimate. This is a judgement made by a court of law which was set aside by another court. If you appeal, you may find that the higher court vacates the previous court’s ruling. Actual Cash Value - Cost of replacing damaged or destroyed property with comparable new property, minus depreciation and obsolescence. For example, a 10-year-old sofa will not be replaced at current full value because of a decade of depreciation. 
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