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    How does insurance cover damage to shared property? (e.g. a fence)

    Last week a storm blow over 100 feet of our wooden fence. It will cost about $3700 to repair. My neighbor and I agreed to each make a claim on our homeowner's insurance. Does that mean that we both pay the $1000 deductible? Would it make more sense for just one of us to claim it? (But then...
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