Homeowner coverage question?

What is the difference between Similar Construction and Common Construction in regards to a HO policy? Why would you want one or the other? What is an example of each.

Thanks!

Answers:
Similar construction is replacing your plaster walls with plaster walls. Common construction is replacing your plaster walls with drywall.

Similar construction is a BETTER policy - it gives you like kind & quality. Common construction is more vague, and gives you "whatever they do now to fix it", NOT "fix it like it was". You likely wouldn't get crown molding.
Similar would refer to a particular type, ie log cabin, adobe, hay bail, Glass, structural steel,Custom Home, Victorian, etc.
Common would be more general like a stick built house. The reason you would want one over the other would be is you had a custom built home with high craftsman detail work and marble carved columns you wouldn't want some one to come and repair it that didn't know what they were doing. I hope that helped.

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