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Brad,

I hope no one thinks I want to be a smart-ass either. I also agree that a lot of items can't or won't be replaced for one reason or another (ie. your ring example). Another example is lightning striking home computers, it just isn't practical to try and fix it, you can usually upgrade to a new machine for less.

As far as the house example you used; many policies (vary by company, state regulations, etc) contain a 'Rebuilding Clause' which will pay 50% up front and the balance upon rebuilding of the building which was lost.

As far as Nickie's situation is concerned; I should have just kept my mouth shut. I think if you give me money to get my car fixed, then I should get it fixed (even if it isn't perfect). That is just me. Every day I hear complaints about the cost of car insurance. Policy forms continue to broaden and cover more things (especially true of home ins) more and more people turn in claims, cause, "thats what insurance is for", then the rates go up, all the while we are paying for damages that people don't fix. Maybe we should all ask ourselves "if it's not worth fixing, am I really out anything?"


Dan
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