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I don't know man, it's a hassle, but you pay insurance for this reason. You now get all new siding, color and type of your choice, a total makeover of the interior rooms that were affected, new roofing, ect. It's like having 75% of renovation costs paid for.
For the car, updated tail lights, a top with a glass window, and any other repairs that it needs due to storm. Insurance will pay for the existing parts, but in most cases, the new ones are the same price or close to it.
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