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It we were to suffer a complete insurance loss on the house while it's vacant, how would the settlement work?
Thanks. So they write you a check for the full value of the coverage,
Neither party has the ability to live in the house, otherwise one of us would own it outright already and, of course, would want it to be rebuilt in the event of a loss.
You can split money between two parties, you can't split a house in two. To rebuild it so it can be put up for sale when it's finished is problematic, at best.