Replacement is something else. That has to do with what the insurance will pay once they agree to pay. I'm talking about what they will agree to pay for.

In other words, it you had a named peril policy and busted piped were not one of th3 named perils, they would not cover it. If it were open risk, and busted piped were not listed as an exception you would be covered.

How much is covered is a different story.

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