Money & Pricing
RCV
Replacement Cost Value: the full cost to repair or replace damaged property, before depreciation is subtracted.
On a real claim
RCV, replacement cost value, is the full cost to repair or replace damaged property with like kind and quality, before depreciation is subtracted. On a claim RCV is often the ceiling, with the carrier paying ACV up front and the balance, the recoverable depreciation, once the work is done. What goes wrong: a contractor budgets the full RCV but never files for the held-back depreciation, and the homeowner is left short. Check what conditions release the RCV balance.
Full guide: xactimate pricing guide 2026
Common questions
What does "RCV" mean in Xactimate estimating?
Replacement Cost Value: the full cost to repair or replace damaged property, before depreciation is subtracted.
Where does "RCV" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow, see the full guide for where it fits.
Put this to work
ESXPress converts carrier scope PDFs into import-ready Xactimate ESX files, line items mapped to their real code, priced for import.
Start free, 5 conversions, no card →