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Building suffered a major flood; building insurer covered, but my insurer was at hand if I needed. Ten years earlier, when living in a rental building and in a wheelchair after an accident, I suffered two floods from a broken radiator which the building only temporarily repaired. My insurer could not possibly have been more helpful or more fair. Major historic materials were destroyed and there was no argument about the lost value. I obtained letters from dealers to support my position; my insurer's attitude was superb.