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"Chia Pet" Chia
wrote:

The good news is I woke up and the house is fine and near a fire hydrant
and
fire house. The bad news is that really is my insurance situation. The
purchase price is the insurance company's weapon against a higher claim
(the
purchase price was abnormally low even then). But replacement even with a
$25k increase would definitely be impossible now.

Is there a way out of this nightmare???

Have you talked to your insurance agent? There is a "full replacement"
coverage that may be suited to your needs.