長在河邊走， 定然要濕鞋。

一般來說， 火險分兩大類， actual cash value policy or replacement value policy.

if you have a cash value policy, whether you do the repairs or not, you only get paid the depreciated value of estimated repair costs.

 if you have a replacement value policy, similarly at first you will only get paid the depreciated value of the damages, but after you complete all repairs/renovations, you will receive the remaining funds up the the original estimates.

insurance companies usually allow 10% overheads and 10% GC fees, so if you want be your own GC, you can make a little money.

generally speaking, 火災如果沒傷人， 對房東都是好事， 就算不賺錢也能賺個新房。