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Haha. I thought I'd seen it all. Clearly, I haven't!

I'm curious to what you mean by this? Did the tenant remove the bath, or something?

I had a whole heap that were with NRMA. This is back when it only cost an extra $20 or so to add the LL component. I had a couple of payouts & got a reasonable amount back, but I think that was more in the skill of the PM in working the claim, rather than anything else. She did say that I...