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I don't have it either, but rely on FEMA for a bailout??? Sheesh...we have all seen how f*ed up they are! Probably better than a few years ago, but I am not sure by how much.
Typical damage to chimneys, walls, pools etc. most likely would not even meet the outrageous deductibles of the "affordable" policies. So I guess we are all betting against a total loss scenario. Our current house survived Northridge '94 with very modest damage so I think it is a reasonable bet.
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Chris C.
1973 914 "R" (914-6) | track toy
2009 911 Turbo 6-speed (997.1TT) | street weapon
2021 Tesla Model 3 Performance | daily driver
2001 F150 Supercrew 4x4 | hauler
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