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What Are The Differences Between The Two Potential Insurance Policies Involved In A Fire-Loss Litigation?

What Are The Differences Between The Two Potential Insurance Policies Involved In A Fire-Loss Litigation?

Ray Hrdlicka – Host – Attorneys.Media

“What’s the difference between the two?”

Spencer Freeman – Fire-Loss Attorney – Pierce County, WA

“So, a replacement cost value policy is exactly that. It’s coverage, and obviously everything is limited by the policy limits that you purchased, but what it does, it’s coverage to rebuild your house. So, in that scenario, you would be able to recover the initial actual cash value of the damage to the house, and then once you’ve rebuilt the house, you will be able to recover the difference between the two. Generally speaking, the actual cash value is the replacement cost value of the house depreciated to present day. That has to do with the age of the house, has to do with the wear and tear on the house, and the condition of the house”

Ray Hrdlicka – Host – Attorneys.Media

“Well, excuse me for being on the other side of the coin here, but in today’s world, how do you depreciate a house where the value of that house has gone up? Especially in major metropolitan areas in Washington here, year after year after year?”

Spencer Freeman – Fire-Loss Attorney – Pierce County, WA

“If I alluded to it being strictly value of the house, I apologize, because that’s not correct. I’m not talking about market value of the house, the sale value of the house. I’m talking about what it costs to construct the house. So, the replacement cost would be the cost to reconstruct the house, which is substantially different, usually, than the market value of the house. Then, the depreciation from the cost to rebuild the house has to do with how old the house is, and the wear and tear and conditions of the house.”


Freeman Law Firm, Inc. is one of the most reputable and reliable attorney enterprises with two locations in Tacoma and Olympia, WA. When an injury happens, one is often so overcome with shock and pain that thinking about the legal course and taking the next steps may feel like an overwhelming task. This is where our team of experts comes in. We’re here to safely guide you through the seemingly puzzling maze of who’s, what’s, where’s and when’s of the legal recourse. Our skilled lawyers, each of whom is equipped with top qualifications and years of experience in the field, will represent your case and stand by your side for what is right.

Life is all about the unexpected – and the unexpected can come as pleasant surprises or non-so- pleasant accidents. We’re here to help you out when life takes a turn for the worst, to get you back on your feet again.

After practicing with a downtown Seattle firm, Spencer Freeman opened the Freeman Law Firm, Inc. in Tacoma, WA in 2005 after the birth of his first son. Over the course of time, the Freeman Law Firm, Inc. has adhered to the needs of its community, both locally and with contacts nationally. These needs have included litigation in several different areas, including Business Litigation, Copyright Infringement Litigation, Personal Injury and Medical Malpractice, First Party Bad Faith Litigation, Criminal Law, as well as Administrative Law. Mr. Freeman’s intent was and is to make those skills he has learned in his career and his passion for trials accessible.

Mr. Freeman’s connections locally and nationally nourished his practice over time. He has served the local community as well as handling cases in federal courts across the country. Locally, Mr. Freeman has assisted local businesses in such matters as contentious shareholder disputes and individuals in matters ranging from catastrophic injuries to class A felonies as well as lawsuits against insurance companies for bad faith claims practices. He tried a Whatcom County Superior Court case for a bail bond company that resulted in the first appellate law in Washington truly outlining the rights of fugitive recovery agents. He has tried cases in many counties throughout the State of Washington, argued before the Court of Appeals Division I and Division II and the Washington State Supreme Court.

Mr. Freeman’s practice has taken him beyond Washington State, where he has handled cases for national Internet multi-media companies enforcing copyrights in states such as Florida, Nevada, Arizona, and California. In those cases, he has successfully argued for jurisdiction in the United States against individuals that reside in other countries. Mr. Freeman also represented a publisher against sheriffs regarding First Amendment Rights to distribute a magazine in county jails, resulting in arguments before the Ninth Circuit Court of Appeals and the first case law of its kind. He has argued before the Ninth Circuit Court of Appeals five times and submitted a briefing to the United States Supreme Court.

On more than several occasions, Mr. Freeman has been retained by parties on the near eve of a trial solely for purpose of being lead trial counsel. One such successful case was against the U.S. Department of Justice in their first trial attempting to enforce the CAN-SPAM Act for the actions of independent contractors.

Mr. Freeman’s passion and strength lay in front of a jury. He finds a beautiful balance between fact witnesses, statutes, case law, rules of evidence, and the different contexts of each jury. Most cases find a resolution before trial, but the best resolution occurs when counsel is prepared to try the case. And, when a case cannot find resolution, Mr. Freeman loves to go to work.

Contact Attorney:

Phone: 253-383-4500
Freeman Law Firm, Inc. is one of the most reputable and reliable attorney enterprises with two locations in Tacoma and Olympia, WA.

Industry Skills:

  • Litigation
  • Courts
  • Trials
  • Civil Litigation
  • Appeals
  • Criminal Law
  • Legal Research
  • Litigation Management
  • Depositions
  • Criminal Defense
  • Hearings
  • Negotiation
  • Legal Writing
  • Copyright Law
  • Licensing
  • Arbitration
  • Commercial Litigation
  • Legal Assistance


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