只是好奇。保險的rebuild cost vs. market value.

[mrskwok]

後者是不是說如：買10萬，就會賠10萬？（不建房的話）還是會象前者那樣，拿現金的話就會少很多。

謝謝啊。

[jy101]

if you 買10萬，就會賠 up to 10萬, whether its replacment value or market value.

replacement policy = more expensive on premiums.

lets say the building worth 300k but it cost 600k to build, if you only buy 300k of coverage of any, the policy will only pay up to 300k.

only if you buy 600k worth of replacement value, then the policy will pay you 600k to rebuild, but if you choose not to rebuild, then they send you a check base on depreciated value, which may or may not have any correlation with market value.

well, at least this is how I understand it...

[mrskwok]

會有depreciation value？比如買10萬。最後扣來扣去的只會有7.8萬。這點和rebuild cost的賠法是一樣的。

額理解得對嗎。

額那座火燒的最後demo10萬repair24萬多。要拿現金只有15萬多，當然讓他們建了。

不過還沒建完蠻狗血的，現在請律師搞了。

[jy101]

lol, the renovation never got finish?

[mrskwok]

份開工(after demo)說好3個月完工各種拖（當然老房子code肯定也多），現在已經也95%done.上星期說好裝5部rinnai給改成empire.這下把LD惹毛了。丟給律師處理（追討逾期屋主的損失如4千多月租construction insurance renewal tax etc)現在這幫孫子急的不行，日夜趕工，估計這一2禮拜差不多。他們難道就不想者第2張大支票麼？不理解啊。

總之，房租沒得賠，誰都在不急除了屋主。