Replacement Cost and Actual Cash Value: Replacement cost policies provides you with the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for depreciation (the decrease in value due to age, wear and tear, and other factors).omeowners insurance policies provide coverage for the cost of additional living expenses if your home is damaged by an insured disaster. Prepare for the adjuster's visits: Your insurance company may send you a proof of loss form to complete or an adjuster may visit your home first.
Semen is a sticky white or yellowish fluid that contains sperm. Semen (pronounced SEE-men or SEE-mÉn) is the fluid that comes out from the end of a man's penis when he has an orgasm (the height of sexual excitement) and ejaculates.emen is the fluid that comes out from the end of a man's penis when he has an orgasm (the height of sexual excitement) and ejaculates. It is usually white, but may also be slightly grey or yellow. If there is blood in the semen, it can look pink or reddish.
Semen is protected from your body's immune system so that your own body doesn't attack it as a foreign substance. Sperm does not begin to form in a male's body until he hits puberty. By that time your body's immune system has already decided which kinds of cells are part of the human body and which are not.