Consumer Protection Law
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Cost of repair is what you would pay someone to fix an item, including any parts and labor.
Cost of replacement is what you would spend if you went and bought a new one, either because it would cost more to fix it than to buy a new one, or because the item is destroyed beyond repair.The difference between the two is going to depend on what the item in question is and how badly it's damaged.
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Burned vegetation really can't be "repaired," if it's been killed. The land can be replanted, or the owner can look into bringing in full-sized trees (which would be considered replacement). An insurance company might try to "replace" trees by putting in saplings and letting them grow, but if they're going to do that, then you'd want to look at the difference between the land's value before and after that's done, to see if they're going to cover it.
A house that's been completely burnt has to be rebuilt from the ground up, because you can't just go out and buy a new one. Repair would probably mean to rebuild the exact house that was there before, where a replacement could involve upgraded features or even a new design to parts of the house.