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	<url>
		<loc>https://vsgmi.com/glossary-term/certificate-of-insurance-coi/</loc>
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		<loc>https://vsgmi.com/glossary-term/claimant/</loc>
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		<loc>https://vsgmi.com/glossary-term/covered-peril/</loc>
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		<loc>https://vsgmi.com/glossary-term/depreciation/</loc>
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		<loc>https://vsgmi.com/glossary-term/direct-loss/</loc>
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		<loc>https://vsgmi.com/glossary-term/dwelling/</loc>
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		<loc>https://vsgmi.com/glossary-term/dwelling-limit/</loc>
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		<loc>https://vsgmi.com/glossary-term/earth-movement-exclusion/</loc>
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		<loc>https://vsgmi.com/glossary-term/grace-period/</loc>
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		<loc>https://vsgmi.com/glossary-term/hazard/</loc>
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		<loc>https://vsgmi.com/glossary-term/hail-damage/</loc>
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		<loc>https://vsgmi.com/glossary-term/hold-harmless-agreement/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/homeowners-policy-ho/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/indemnity/</loc>
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		<loc>https://vsgmi.com/glossary-term/independent-adjuster/</loc>
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		<loc>https://vsgmi.com/glossary-term/insured/</loc>
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		<loc>https://vsgmi.com/glossary-term/equipment-breakdown/</loc>
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		<loc>https://vsgmi.com/glossary-term/defensible-space/</loc>
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		<loc>https://vsgmi.com/glossary-term/ice-dam/</loc>
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		<loc>https://vsgmi.com/glossary-term/coinsurance/</loc>
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		<loc>https://vsgmi.com/glossary-term/combined-single-limit-csl/</loc>
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		<loc>https://vsgmi.com/glossary-term/de-icing/</loc>
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		<loc>https://vsgmi.com/glossary-term/dwelling-extension/</loc>
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		<loc>https://vsgmi.com/glossary-term/earned-premium/</loc>
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		<loc>https://vsgmi.com/glossary-term/electronic-data/</loc>
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		<loc>https://vsgmi.com/glossary-term/fair-rental-value/</loc>
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		<loc>https://vsgmi.com/glossary-term/functional-replacement-cost/</loc>
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		<loc>https://vsgmi.com/glossary-term/inspection-report/</loc>
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		<loc>https://vsgmi.com/glossary-term/insurer/</loc>
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		<loc>https://vsgmi.com/glossary-term/liability/</loc>
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		<loc>https://vsgmi.com/glossary-term/liability-limit/</loc>
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		<loc>https://vsgmi.com/glossary-term/loss/</loc>
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		<loc>https://vsgmi.com/glossary-term/loss-assessment/</loc>
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		<loc>https://vsgmi.com/glossary-term/loss-history/</loc>
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		<loc>https://vsgmi.com/glossary-term/loss-of-use/</loc>
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		<loc>https://vsgmi.com/glossary-term/medical-payments-medpay/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/moral-hazard/</loc>
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		<loc>https://vsgmi.com/glossary-term/named-perils-coverage/</loc>
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		<loc>https://vsgmi.com/glossary-term/non-renewal/</loc>
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		<loc>https://vsgmi.com/glossary-term/occurrence/</loc>
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		<loc>https://vsgmi.com/glossary-term/other-structures/</loc>
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		<loc>https://vsgmi.com/glossary-term/personal-articles-floater/</loc>
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		<loc>https://vsgmi.com/glossary-term/personal-injury/</loc>
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		<loc>https://vsgmi.com/glossary-term/personal-property/</loc>
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		<loc>https://vsgmi.com/glossary-term/premium/</loc>
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		<loc>https://vsgmi.com/glossary-term/pro-rata-cancellation/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/proof-of-loss/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/property-damage-pd/</loc>
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		<loc>https://vsgmi.com/glossary-term/property-inspection/</loc>
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		<loc>https://vsgmi.com/glossary-term/rate/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/reinstatement/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/renewal/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/replacement-cost-value-rcv/</loc>
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		<loc>https://vsgmi.com/glossary-term/reservation-of-rights/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/rider/</loc>
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		<loc>https://vsgmi.com/glossary-term/risk/</loc>
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		<loc>https://vsgmi.com/glossary-term/roofing-depreciation/</loc>
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		<loc>https://vsgmi.com/glossary-term/salvage/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/settlement/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/special-limit-of-liability/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/subrogation/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/suit-limitation/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/surcharge/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/third-party-claim/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/umbrella-policy/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/mutual-insurance-company/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/policyholder/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/policyholder-dividend/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/surplus/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/reinsurance/</loc>
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		<loc>https://vsgmi.com/glossary-term/loss-control/</loc>
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		<loc>https://vsgmi.com/glossary-term/mitigation/</loc>
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		<loc>https://vsgmi.com/glossary-term/risk-reduction/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/loss-payee/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/mortgagee/</loc>
		<lastmod>2025-12-29T17:33:48+00:00</lastmod>
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	<url>
		<loc>https://vsgmi.com/glossary-term/ordinance-or-law/</loc>
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	<url>
		<loc>https://vsgmi.com/glossary-term/per-occurrence/</loc>
		<lastmod>2025-12-29T17:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/proof-of-insurance/</loc>
		<lastmod>2025-12-29T17:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/scheduled-personal-property/</loc>
		<lastmod>2025-12-29T17:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/short-rate-cancellation/</loc>
		<lastmod>2025-12-29T17:33:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/underwriting/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/vacancy/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/water-backup/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/windstorm/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/workers-compensation/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/uninsured-underinsured-motorist-um-uim/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://vsgmi.com/glossary-term/waiver-of-subrogation/</loc>
		<lastmod>2025-12-29T17:33:49+00:00</lastmod>
	</url>
</urlset>
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