05/29/2026
🏠 Do You Know How Your Personal Property Is Covered?
After a loss, one of the most common questions homeowners ask is:
💬 "Will my insurance replace my belongings?"
The answer depends on your policy.
📌 Replacement Cost Coverage
Pays to replace damaged items with new items of similar kind and quality, without deducting for depreciation.
📌 Actual Cash Value (ACV)
Pays the current value of an item after depreciation is deducted. In many cases, personal property is covered on an ACV basis unless replacement cost coverage has been added to the policy.
Another important distinction is how your policy covers losses:
✔️ All-Risk Policies
Typically cover a broad range of losses unless specifically excluded.
✔️ Named Peril Policies
Only cover losses specifically listed in the policy.
The best time to understand your coverage is before a loss occurs, not after.
At Cardinal Clean, we help homeowners, adjusters, and contractors navigate the personal property side of claims through detailed inventory, documentation, evaluation, cleaning, restoration, and total loss support.
📲 Have questions about personal property after a loss? Contact Frankie Aguilera 24/7 at (602) 828-1871 or Cardinal Clean at (480) 247-7724.