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Like you say, could have been worse.

Every home needs AT LEAST two working fire extinguishers. One in the garage and one in the kitchen.

RE: "the aggravation of “negotiations” with my insurance carrier, the business owner, and maybe the business owner's insurance company."

Assuming you have comprehensive coverage, it shouldn't be any aggravation on your part. You've already more than fullfilled your obligations. If your insurance company doesn't handle these "negotiations" for you, make appropriate complaints and dump them. This is what you pay those premiums for.


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