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hi my name is Nicole Vinson and Im an attorney with the Merlyn Law Group Merlyn Law Group handles property damage insurance claims nationwide one of the popular issues thats been coming up on our blog property insurance coverage law calm has to deal with actual cash value actual cash value is abbreviated in the insurance industry as a CV and many of the insurance policies put forth for property cover and pay the insurance at an actual cash value others pay at a replacement cost value or are CV these numbers are critically important for the policyholders to understand because theres a big difference between an a CV and an our CV determination but not always its important though that policyholders understand when the insurance company is telling them your coverages for a CV and this is how were paying it out one of the topics that weve looked at frequently has been dealing with personal property loss contents inventory or goods things that you have that are insured that are tangibl