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Construction estimates are a big part of the insurance process. Caution must be used when settling a claim using only estimates as the cost basis.

The following discussion that I found online might be of help when trying to determine how homeowners should interpret estimates?

http://www.elocal.com/blog/homeowners-interpret-estimates-2279 

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When the Japanese mend broken objects, they aggrandize the damage by filling the cracks with gold.  They believe that when something's suffered damage and has a history it becomes more beautiful.

Barbara Bloom

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