The building is currently insured for replacement cost. The insurer did a new valuation and said the policy limit is 70% of the RC value, which would result in a coinsurance penalty for a partial loss. Is the insured who probably won't rebuild with a total loss better off, if the company will allow it, remaining at RC with a coinsurance penalty or going to ACV because a partial loss would still be replacement less the coinsurance penalty?

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