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I'm more concerned with liability if the shiftless son-in-law doesn't shovel the snow off the sidewalk, and somebody slips and falls, than I am if the house is damaged or destroyed.
Question - both quotes are at rebuild cost, why would I need that? I have no loan on the house. Shouldn't the "value" of the house be it's current assessed value, minus what you could sell the vacant lot for, plus whatever it might cost to remove the debris from the lot?
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