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[Music] good evening everybody this is bill the adjuster with another tip in the smart claims series tonight im going to talk to you a little about a benefit that most people have on their homeowner policy that im going to bet youve probably already lost it based on the conditions in the policy but i can help you you can fix it [Music] all right so the guaranteed replacement cost endorsement has several different names but the way it works is it increases the amount of coverage you have on your policy in the event of a total loss so the language to your right would be from the that state farm policy but some part theyre going to be all relatively similar and what they say is the event of a total loss we provide this endorsement for an additional percentage of coverage so some are twenty percent some are ten some are fifty percent some are even unlimited so the way the endorsement works it says if you have a total loss and it goes over the amount of coverage you have will then multi