Claim Time: How is RC Calculated?

I think the most common thing i've seen is not rating with a finished basement. then throw in a 25% 50% 100% or guaranteed endorsement.

I've seen other people fiddle with the MSB to bring it lower so the rater will accept the lower MSB value.

But one carrier you have to start adding random stuff to get it above 400k so it would be eligible as the carrier will not accept anything lower than 400k.

MSB values ranges are so wide, its tough to help the customer stop and think.
 
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