Hi. thanks for the link and cite. I don't believe that means they can't put the replacement cost on insurance policies. That would make no sense especially if the customer purchased replacement cost coverage. A Replacement Cost Estimator is the tool that the insurance companies use to calculate the replacement cost value. As such the tool would be the proprietary business information and not the actual end result.
It appears they are protecting inside information of insurance agents. A lender cannot require the insurance underwriting information which, would include the RCV Estimator calculator, as a condition for extending credit.
You may wish to check with legal counsel on this interpretation as I am not an attorney. But not disclosing the basis of the tool used to calculate RCV makes a lot more sense.
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