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Jocko, An interesting point. I understand that removal costs for the fore affected areas are $20K to $30K. It sounds excessive to me- but, if they are genuine costs in case of fire, I want to get them covered.

Sorry, don't use cgu. But I know people who have had properties insured with AAMI, who lost their houses in the Canberra fires. AAMI have been fantastic in both cases. Payout was 10% over agreed value; settlement was quick; 12 months accommodation was included; alternate housing was...