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Property damage adjustments may be impacted by how much time has transpired between the damage, the claim and the repairs. (Photo: iStock)

Question: The ISO Dwelling 3 policy provides replacement cost benefits. Please provide your interpretation of the application of benefits as it relates to the time to recover RCD. Shouldn’t the 180 days apply? Does the policy condition listed on page 7, no. 5, section 5 beginning with “You may disregard…” remove the 180 day stipulation?

— Louisiana Subscriber

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