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Receiving court papers can often be a stressful experience for people. Process serving is an art, which requires professionalism and reliability. Process servers often work with legal firms to assure timely service, as court cases cannot start until a defendant is served.

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Not only is roof damage stressful to manage, but you will need to file an insurance claim to get it repaired or replaced. Before going to your insurance company, you will want to know what perils are covered and what limits you have on your homeowners insurance policy. When purchasing an insurance policy and filing claims, you should be aware of the distinction between replacement cost and actual cash value. Replacement Cost Value RCV policies will pay the price to repair or replace your damaged property without deducting for depreciation. Insurance companies typically determine depreciation based on the condition of the property when it was damaged, what a new roof or damaged item would cost, and how long it would endure the elements.

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