If your property involves a window-related claim, you may encounter the terms ACV and RCV. This is a plain-language explanation of what they generally refer to. It is not claims advice, and it does not describe how any carrier will decide your situation.
What the terms generally mean
- ACV — actual cash value — generally refers to value that accounts for depreciation.
- RCV — replacement cost value — generally refers to the cost to replace with like kind and quality.
Where windows fit
Both concepts depend on understanding the actual window installed. If the product is misidentified or generalized, the underlying facts are off — regardless of which value concept applies. That's where accurate identification and documentation help.
RADIO's role
RADIO documents what your window actually is and the visible conditions it presents. We do not determine value, promise outcomes, or act as a public adjuster. How these concepts apply to your claim is between you and your carrier.
RADIO documents visible conditions and provides claim-related window documentation. We do not promise insurance approval, coverage, or payment, and we are not a public adjuster. Our job is clear, documented findings and clear next steps — carrier decisions remain separate.