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Are all losses covered by this program?

No. Losses caused by the perils referenced above must also meet the following guidelines of the program:

  • Damage exceeds 49% of the insurance on the real property, and
  • The property is located within the boundaries of a municipality that is participating in the program, and
  • The insurance company has no evidence that the insured has hired a licensed contractor for repairs to the property (within 15 days after agreement on final settlement).