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#14
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Insurers don't just roll over on major claims like this. Google "examination under oath" and the cooperation clause of a policy: the owners of the place are likely going to undergo a forensic accounting analysis of their last three years' taxes and finances akin to an IRS audit, then be examined in depth about the specifics of the loss. The insurer will likely retain an expert in sports memorabilia to create its own market valuation on the loss once it has the details pinned down.
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