To recover replacement cost (rather than ACV) on a partial loss under a Georgia HO-3 dwelling claim, the insured generally must carry Coverage A equal to at least what percentage of the dwelling's current replacement cost at the time of loss?

Why this is the answer

The replacement cost provision in the Georgia HO-3 contract requires the insured to maintain Coverage A equal to at least 80 percent of the dwelling's replacement cost at the time of loss to recover on a replacement-cost basis for a partial loss. If the insured falls short of the 80 percent threshold, the insurer settles on either actual cash value (depreciated) or a proportional formula, whichever is greater. Maintaining adequate Coverage A — and adjusting after improvements — is a critical producer responsibility.