that‘s exactly how i think. 但是有電郵為證，LL還是個Broker呢。

Yes!  It's called arson, which is covered.

From: 

Sent: Friday, June 01, 2012 9:48 AM

To: LL

Subject: Re: Fw: rental #2

thank you for your information. no morgage so i don't have to worry about the FL wild fire now.

one last question. it's included the natural, wild fire, not accident, man made too, right?

From: LL 
To: Joy
Sent: Friday, June 1, 2012 9:39 AM
Subject: Re: Fw: rental #2

... to answer your question straight, yes, you can get whatever the money from insurance company and sell the land.

Insurance company usually doesn't care.  Insurance company may pay you 80% of rebuild cost first, holding 20% until you show the evidence that the damaged house is repaired or rebuilt.  If you have mortgage, it will be different.

From: Joy

Sent: Thursday, May 31, 2012 10:52 PM

To: LL

Subject: Re: Fw: rental #2

i can still sell the land. does insurance company pay you if you don't build the house?

From:LL
To: Joy
Sent: Thursday, May 31, 2012 10:11 PM
Subject: Re: Fw: rental #2

Yes, good idea!

-----Original Message----- 
From: Joy
Sent: May 31, 2012 10:10 PM 
To:LL
Subject: Re: Fw: rental #2 

I would keep the money if it's on fire. i only bought it for 68K.  can i?  lol

From:LL
To: Joy
Sent: Thursday, May 31, 2012 10:07 PM
Subject: Re: Fw: rental #2

Hi, Joy

Congratulations!  The policy is good, the only concern is the fire limit is too low to me, nowadays, $150,000 can't build an over 1300 sqft brick house.  I would suggest the fire limit is increased to $180,000 or $200,000.  My opinion only.

L

-----Original Message----- 
From: Joy
Sent: May 31, 2012 8:34 PM 
To: LL 
Subject: Fw: rental #2 

Hi L

This is Joy. Can you take a chance double check this policy for me. it's my new rental house in FL. thank you,

Joy