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BGB 1046. 2 If damage covered by the insurance occurs , both the owner and the usufructuary may require that the amount insured is used to restore the thing or to obtain a replacement to the extent that corresponds to proper management . The owner may arrange for the use himself or leave it to the usufructuary .
BGB 1127. 2 Liability for the claim against the insurer is extinguished , if the insured object is restored to its original condition or a replacement is provided for it .