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It seems logical that a proper legal consultation would make sense if you want to go down that road. I suspect that the buildings insurance company would be thrilled to close this for $3500. In fact, the case worker that secures her signature will probably get a $10k bonus for doing so.
Ours is a litigious society and kudos to you for not seeking to gouge. But I suspect their insurance company is prepared to settle at a far higher number. Even if you don't want lawyers involved (30%), just the intent to do so will likely cause the settlement offer to grow considerably.
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Mike
“I wouldn’t want to live under the conditions a person could get used to”. -My paternal grandmother having immigrated to America shortly before WWll.
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