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Picture an old red barn perched in the middle of a rolling green farm. The barn’s best days are long gone and the faded wooden siding leaks whenever it rains. A structural engineer inspects the leaky barn at the owner’s behest and opines that it has reached a state of substantial structural impairment and may fall down. Nonetheless, the barn is still standing, for now, and remains in use. The ownership files a property insurance claim.
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