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The forces of nature can wreak havoc on all aspects of a building, especially the roof, siding and facia. As the storm clouds part and give way to blue skies, property owners sometimes do not find a totally destroyed roof or wall of siding. Instead, only a few shingles or sections of siding may have suffered damage and need to be replaced. Under these circumstances, insurers often wonder if they are also required to pay for the replacement of the surrounding undamaged property.
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