我看了合同，隻有獨立評估損失超過5000，我才能退出並且拿回全部deposit

我看有一條：

Risk of Loss, Damage:

All Risk of loss or damage to said property by fire, theft or other casualty until delivery of Deed shall be upon the Seller. In the event of loss or damage independently appraised at more than $5000.00, Buyer shall have the option to receive any insurance payment on account of said damage and take Title, or rescind this Agreement and receive back all Deposit money paid. In such case all rights and obligations of the parties under this Agreement shall terminate.