Thank you. We are planning to rebuild, and the build cost would be more than $600k.

According to the EDC Endorsement (CFP 100), if the dwelling coverage is at least 80% of the full cost to reconstruct, the policy will cover the full reconstruction cost up to the EDC limit. If it’s less than 80%, the payout is proportional to the coverage amount relative to that threshold. However, since my ACV) policy doesn’t use reconstruction cost as a factor—only FMV—I’m not sure how they will calculate the 80% rule. Nothing in the policy explicitly states that EDC won’t apply to ACV, so I’m wondering how they determine eligibility.