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Interesting. If insurance companies pay up, i wonder how they will try to spend the minimum money to get place rebuilt. Would they work out a value and pay you that or do they actually need invoices for the place being rebuilt? I remember someone recently saying that they wished their whole...

So is this the reason why we should take out house insurance once contracts are exchanged? I didnt get insurance for my property because of strata covering house insurance for whole block, but is interesting for in the future... Good luck whichever way it goes!!!