INSURANCE: Added cost for GRF, Mutuals is about $37K and facilities in Rossmoor should it all be destroyed in a fire, earthquake or other disaster. The previous valuation was $2.014 billion, calculated a year ago by A. J. Gallagher. Of course, insuring to replace $2.659 billion worth of property on a dollar-by-dollar basis is fast becoming unaffordable or outright impossible – hence the