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The definition may vary slightly from federal government definitions used to determine taxliabilities. Chapter 11 in the Core Course Manual discusses insurance coverage and claims. In a damage claim, it is important to ask your client if there is a specific definition of fair market value you should use.
A current appraisal will help ensure that your insurance coverage is appropriate, and that you’re not paying high premiums for something that has actually depreciated in value over time. That is why it is vitally important to have a current valuable articles insurance appraisal that reflects the true worth of your prized possessions.
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