Main street dwellings have to be valued and classed according to underwriting guidelines. If successful risk management is the goal, underwriting should view their risk from a total loss perspective. At TFS we have taken the time to interview reconstruction contractors across the states of Louisiana and Mississippi. These interviews and constant updating of building materials have enabled TFS to provide a real world set of replacement values for our customers. These values can be used by underwriting to assure accurate ITV policy requirements. We also offer E.H. Boeckh and Marshall & Swift replacement figures.