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TLDR: RCV insurance policies, in NC, will only pay ACV if the house is not replaced. At my age (71) and family longevity history, I have no desire to endure the settlement negotiations, house plan selection, HOA approval, finding a builder, permitting process, material selection and actual...

I am age 64 and live in an area I consider to be "a vacation location". Married with two children and two grand children. Wife retired in 2010. Assets include tax sheltered accounts (401ks, traditional IRAs), rental property and a little in after tax accounts. I am new to retirement and am...