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Everything is insurable. We can write an insurance policy on whether or not it will rain on Monday, October 1, 2055 at a specific address. Anything can be insured. The million dollar award for a hole in one during a Golf tournament are insurance policies. If the odds can be calculated an insurance company will bet on it. Not Bet but insure against a situation. A structure over water probably won't be any different than any other in the same location except for the conditions and construction will be inspected carefully.

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Q: Are structures over water insurable
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