Documents are not searchable until two to four weeks after they are recorded. Recovering the costs of repairing or replacing your property damage can be the bulk of your personal injury lawsuit.A glossary of terms related to property assessment. (9) The costs addressed in the Loss Pay- ment and Valuation Conditions, and the. We'll pay the replacement cost for items at the time of loss, then up to the full amount of the cost in today's market in the event of a covered loss. What if I need only an individual replacement cost for a real estate appraisal? How- ever, most companies offer a replacement cost option for your personal property at additional cost. The ACORD forms are available on the website under Requests, Downloadable Forms. The new coverage form features replacement cost on the building. Contents. Scheduled Personal Property.