I have an investment mobile home manufactured in 1972. Last month a contractor was removing trees and landed a big one on my mobile home, cutting it in half and totaling it.

My question is regarding the calculation the contractor's insurance company is using which is: "ACV"

I understand this is the depreciated value. However, for a home which has been fully remodeled (I put $8k into it 3 months prior), how should the ACV be calculated? Would my repairs be depreciated as well and at what rate / how?

  • Good question - interested to see if any answers pop up. – Ross Dec 11 '15 at 20:57

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