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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
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    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Residential Property Claims Guide (CDI Form 405)",
  "publisher": "California Department of Insurance",
  "url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/res-prop-claim.cfm",
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  "jurisdiction": "CA",
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  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Revised by CDI as consumer guidance is updated; no fixed schedule stated.",
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      "text": "Replacement cost is the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for depreciation."
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      "text": "This page describes actual cash value as paying the amount needed to replace the item at the current market value, and its illustration reasons that an eight-year-old washing machine would almost certainly be worth less than its original cost according to the current market value."
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    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-residential-property-claims-guide#c3",
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      "text": "The guide defines replacement cost as the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for depreciation."
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      "text": "The guide states that an actual cash value policy pays the amount needed to replace the item at the current market value, and illustrates the difference with an eight-year-old washing machine, for which the insurer would likely pay only a percentage of the cost of a new machine."
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      "text": "For trees and shrubbery the guide gives a general figure of 5 percent of the dwelling limit of liability provided as an additional amount of insurance, with a $500.00 (and in some cases $250.00) limit for loss to any one tree, shrub, or plant."
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      "text": "The guide instructs consumers to check the language in their individual policy for the coverage that applies."
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      "title": "What is the difference between replacement cost and market value?",
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    {
      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
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      "title": "Residential Property Position (3 checks)",
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  "citation": {
    "text": "California Department of Insurance. \"Residential Property Claims Guide (CDI Form 405).\" unknown. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/res-prop-claim.cfm (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record cdi-residential-property-claims-guide, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cdi-residential-property-claims-guide",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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