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They are the owners and have insurance they bought when it was a liveable house. Right now, it has no bathrooms and several floorboards are missing. They apparently still have insurance, higher excess as they don't live there, but that insurance (so they tell me) doesn't cover them for public...

Be careful though. Our son's house has been partially demolished due to termite damage. Some floorboards missing (not big holes, just one board here and there) and the bathrooms were demolished when the asbestos was removed. They told me last night that while their insurer was covering them...