I am requesting your opinion on the "Functional Replacement Cost Endorsement" (F-4644).

The facts are as follows:

The attached three pages are included in the insurance policy on a 200-year-old residence. The HO 05 30, referenced on the first page ("Advisory Notice") is not a part of the policy. I've attached a copy of the dec sheets showing this to be accurate. The significance of this involves indented item #1 which addresses the replacement of "plaster walls or ceilings with building code required wallboards or ceiling boards".

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