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Before and after cleaning. There may be there may be some high-value items for which cleaning and restoration is a priority. The photo on the left shows the fire-damaged purse, and the photo on the right shows how it was cleaned and restored. (Photo: Esporta)

In the aftermath of a loss, policyholders and insurers face a quandary. When confronting the devastation wrought by fire or flood, they have to decide what happens next.

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