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The building sum insured must represent the reconstruction value of the home in its current finished state. One should also take into consideration other expenses such as the use of cranes and heavy equipment if the accessibility of the building is limited. It is best to have an estimate of the property prepared by an architect, however, if this is not available the above considerations should be given due importance.

Do not forget that you have the duty to act as uninsured, therefore you must at all times take all precautions to safeguard your property.