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#6
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Are the items replaceable? If so, they shouldn't have a problem giving you FMV, and you can repurchase. As stated above, they are damaged beyond repair. Not damaged beyond display necessarily, but you can't fix what's wrong. You would most likely have to relinquish the item. I'm pretty sure they would be far less likely to prorate the loss of something like that. Unless your policy specifies that?
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