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Sorry to hear this. Eveyone is OK by the sounds of things so thats the main thing. Insurance companies in the UK can be wankers, but its worth noteing that in terms of the law, if the offer you X, you can request replacing like for like....insurance companies dont like you stating this. Not rubbing salt, but for others...I have smoke alarms in the garage..PITA when using a torch....but....
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