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NEW QUESTION: 1
If your property Insurance has Replacement Cost Valuation (RCV) clause your damaged property will be compensated:
A. Based on the value listed on the Ebay auction web site
B. Based on value of item one month before the loss
C. Based on the value of item on the date of loss
D. Based on new, comparable, or identical item for old regardless of condition of lost item
Answer: D
Explanation:
RCV is the maximum amount your insurance company will pay you for damage to
covered property before deducting for depreciation. The RCV payment is based on the current
cost to replace your property with new, identical or comparable property.
The other choices were detractor:
Application and definition of the insurance terms Replacement Cost Value (RCV), Actual Cash
Value (ACV) and depreciation can be confusing. It's important that you understand the terms to
help settle your claim fairly.
An easy way to understand RCV and ACV is to think in terms of "new" and "used."
Replacement cost is the item's current price, new. "What will it cost when I replace it?"
Actual cash is the item's used price, old. "How much money is it worth since I used it for five
years?"
Hold Back
Most policies only pay the Actual Cash Value upfront, and then they pay you the "held back"
depreciation after you incur the expense to repair or replace your personal property items.
NOTE: You must remember to send documentation to the insurance company proving you've
incurred the additional expense you will be reimbursed.
Actual Cash Value (ACV)
ACV is the amount your insurance company will pay you for damage to covered property after
deducting for depreciation. ACV is the replacement cost of a new item, minus depreciation. If
stated as a simple equation, ACV could be defined as follows: ACV=RCV-Depreciation
Unfortunately, ACV is not always as easy to agree upon as a simple math equation. The ACV can
also be calculated as the price a willing buyer would pay for your used item.
Depreciation
Depreciation (sometimes called "hold back") is defined as the "loss in value from all causes,
including age, and wear and tear." Although the definition seems to be clear, in our experience,
value" as a real-world application is clearly subjective and varies widely. We have seen the same
adjuster apply NO depreciation (100 percent value) on one claim and 40 percent depreciation
almost half value) on an almost identical claim.
This shows that the process of applying depreciation is subjective and clearly negotiable.
Excessive Depreciation
When the insurance company depreciates more than they should, it is called "Excessive
depreciation." Although not ethical, it is very common. Note any items that have excessive
depreciation and write a letter to your insurance company.
References:
http://carehelp.org/downloads/category/1-insurance-handouts.html?download=17%3Ahandout08-
rcv-and-acv
and
http://www.schirickinsurance.com/resources/value2005.pdf
and
TIPTON, Harold F. & KRAUSE, MICKI, information Security Management Handbook, 4th Edition,
Volume 1
Property Insurance overview, Page 587.
NEW QUESTION: 2
DRAG DROP
You are deploying DirectAccess to a server named DA1. Dal will be located behind a firewall and will have a single network adapter The intermediary network will be IPv4.
You need to configure firewall to support DirectAccess.
Which firewall rules should you create for each type of traffic? To answer, drag the appropriate ports and protocols to the correct traffic types. Each port and protocol may be used once, more than once, or not at all. You may need to drag the split bar between panes or scroll to view content
Answer:
Explanation:
NEW QUESTION: 3
You want to add a netbus Trojan in the chess.exe game program so that you can gain remote access to a friend's computer. Which of the following tools will you use to accomplish the task?
Each correct answer represents a complete solution. Choose all that apply.
A. Pretator Wrapper
B. Yet Another Binder
C. Beast
D. Tripwire
Answer: A,B
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