Total loss or partial: what shapes the journey
Valuation, ordinance, and coverage limits can change strategy. Know what “total loss” means in your contract before you accept a label.
Valuation method (RCV, ACV) plus ordinance demolition thresholds interact with total classifications—carrier labels aren’t destiny until math finishes.
Mortgagee rights can complicate settlement routing—coordinate endorsements affecting disbursement timelines.
Salvage valuation credits affect net payouts—inspect assumptions on retained materials.
Depreciation reversal triggers upon repairs completion—track substantiation checkpoints.
Blackline PA verifies each mathematical layer before labeling acceptance—prevent silent ACV trapping.
This article is general guidance—not legal advice. Your facts and policy control outcomes. Talk with Blackline PA →