A fast talking insurance agent in Alabama whose nickname is "Dodge" sells a young couple a low priced Homeowners policy form than provides "Actual Cash Value" (ACV) coverage on their dwelling rather than the more appropriate "Replacement Cost" (RC) valuation. Which of the following is the most notable difference between Actual Cash Value and Replacement Cost coverage? Actual Cash Value valuation includes a deduction for depreciation. Replacement Cost valuation includes an automatic 10% increase in the insured value. There is no notable difference between valuing a dwelling at ACV compared to RC