voorheesville school tax bills

The problem lies in how often properties are assessed, and how the state determines the market value of commercial properties, officials say. Cash payments, instead, are accepted by appointment only at Rotterdam Town Hall. View All /CivicAlerts.aspx. GUILDERLAND Residents in the Weatherfield neighborhood of this Albany suburb fought the state over taxes and it looks like they may win. The additional amount will be added to your 2023 STAR credit check. In the 30 years she's lived in the town of Guilderland, Diane Reilly had never seen such a huge increase in her school taxes. Those districts could have used rainy day funds to bring the overall levy down, but since town of Guilderland residents make up a small share of their tax base, any impact to those residents would have been negligible, said Voorheesville Superintendent Brian Hunt. The Village also regulates the Water & Sewer bills in this manner. Shelter Island: Town: Annmarie Seddio: Town, County & School 2022-2023 1-2019, Commercial Solar Energy Systems SCHOOL ELECTION DISTRICT NO. Immediately upon its completion, the register will be filed in the office of the District Clerk, located at 8 School Road, Guilderland Center, New York, and will be open for inspection during regular business hours on each of the five (5) days prior to October 7, 2021, except Sunday, October 3, 2021; and on Saturday, October 2, 2021, by appointment only, between the hours of 8:30 oclock A.M. and 3:30 oclock P.M. (Prevailing Time). Visit the Facilities page for building use information and annually required notifications about our facilities, and to contact our Buildings & Grounds department. But Guilderland says the state agency tasked with setting its equalization rate is short staffed, and as a result conducted a cursory evaluation that failed to take into account the wide range of commercial properties in town. 5-2t, LEGAL NOTICE Visit the Health and Wellness page to contact a school nurse, to learn about required immunizations and health screenings or to check if your sick child should be kept home from school. Subscriptions open full access to our work and make it possible. Pay Tax/Water/Sewer. Its not a great savings unless the school districts and towns are on board along with the county, Centi said. Since its like a tax increase, Putnam said, it seems odd for us to decide.. "I really have been stunned by this. Your individual STAR credit or STAR exemption savings cannot exceed the amount of the school taxes you pay. And the town of Guilderland last year had been subject to a revaluation, or recalibration of comparative property values by the state Office of Real Property Tax Services, which does these checks if a town hadnt done it in a while. Homeowners and municipal officials in another town in northern New York, Scriba, also contested their valuations in 2017, contending that ORPS had set values that were too high which would lead to higher school tax bills. (a) That the Board of Education of the Guilderland Central School District, in the County of Albany, New York (the District), is hereby authorized to construct improvements and alterations to all District school buildings and/or the sites thereof (the Project) substantially as referred to and described in the plan entitled District Wide Analysis & Prioritization dated August 10, 2021, prepared with the assistance of CSArch (the Plan), which Plan is on file and available for public inspection at the office of the District Clerk, including (as and where required): roof replacements; the construction of outdoor classroom pavilions; classroom casework replacements; cooling, ventilation, lavatory and technology infrastructure improvements; window, univentilator, boiler, security camera and waterline replacements; and site and recreational improvements, including a new track and turf field, playground upgrades and parking and pavement enhancements; all of the foregoing to include the original equipment, machinery, furnishings, apparatus, and all ancillary, site and other work required in connection therewith; and to expend therefor, including preliminary costs and costs incidental thereto and to the financing thereof, an amount not to exceed the estimated total cost of $21,763,469; provided that the estimated costs of the components of the Project as set forth in detail in the Plan may be reallocated among such components if the Board of Education shall determine that such reallocation is in the best interests of the You can also select a single Tax Type or County to reduce the number of choices, and sort the choices by clicking on the "County" or "District or Municipality" headers. (DELINQUENT PAYMENTS MADE AT THE RENSSELAER COUNTY BUREAU OF FINANCE, ARE NOT POSTED ON THIS SITE) Barber said the firefighters service award looked like a defined-benefit program, or pension. Voorheesvilles tax levy is about $19.75 million. Because municipalities are allowed to set their own levels of assessment and because annual assessments can be costly, many towns and cities go years without updating their assessment rolls. Penalties: The same policy applies with tax, water and sewer bills. Completed applications must be received by the District Clerk at least seven (7) days prior to the Special District Meeting if the ballot is to be mailed to the voter, or the day before the Special District Meeting if the ballot is to be delivered personally to the voter. If taxes are held by a mortgage or escrow company, the property owner should be sure the proper information is given to the tax collector. The result was New Scotland residents received a 2% decrease in their school tax and Guilderland residents got a 12% increase. And so I think it is a good measure of making sure youre giving it out to active volunteer firefighters., Barber thanked Dempsey and said he was glad Dempsey made such a distinction in his answer, because it really is the act of nature of the commitment.. But state Assemblywoman Pat Fahy, a Democrat who represents Guilderland, says the idea was floated years ago and proved so unpopular that it would have little chance of gaining traction in the Legislature. The residents of this neighborhood weren't the only ones to complain. Visit the Budget & Finance page for information about the districts operating budget, school taxes and the annual budget vote, and to contact our Business Office. The current aggregate veteran exemption amounts to about $350,000, meaning that money gets taken off tax bills for veterans who live in the district and is paid instead by the remaining taxpayers. District. Regardless of the overall problems, Reilly said she was heartened by the way her neighborhood came to together to try and correct what they viewed as an unfair situation. Create a Website Account - Manage notification subscriptions, save form progress and more. Angry neighborhood residents, after attending Guilderland town and Voorheesville school board meetings en masse, got organized. Assistant Superintendent for Business The Receiver of Taxes collects the General Property Taxes in January. document.getElementById('7fcabfe4911afec8b5b8fd80ef54fc7b1cfad1d3').innerHTML = ''; They were up in arms last fall over what were in some cases $1,200 school tax increases due to what they said was a faulty revaluation of taxable property values by the state. Directions for Online Property Tax and Bill Receipt, New Scotland Road Bridge Improvement is an ALBANY COUNTY DPW project. Water/Sewer Bills Owner Name: Here you can enter a whole or partial owner name. The Board of Education reserves the right to reject any or all bids. Seven years ago, the district set the exemption at the lowest amount it could be, Assistant Superintendent for Finance and Operations James Southard told board members on Jan. 9: $6,000 for a wartime veteran, $10,000 for a combat veteran, and $20,0000 for a disabled veteran. "They looked at 10 commercial properties in town," said Town Supervisor Peter Barber. rkarlin@timesunion.com 518 454 5758 @RickKarlinTU. What happened to the Taste NY bathrooms on the Taconic? Guilderland's appeal was rejected Aug. 23, and tax bills were issued about two weeks later. Read the letter they sent to Weatherfield homeowners: 5. BY THE ORDER OF THE BOARD OF EDUCATION Hudson Mohawk Road Runners Club Try not to be too specific. A school district adds these exclusions to its tax levy limit without triggering the need for 60 percent voter approval. Tax bill lookup Tax payment Please contact the tax collector at taxcollector@rcsd.k12.ny.us or 607-795-5333 with any questions. Home. 5-1t, LEGAL NOTICE SCHOOL ELECTION DISTRICT NO. You may receive a greater benefit. The state legislation enables taxing jurisdictions to provide up to a 10 percent exemption for a period of between two and five years for volunteer first responders whose primary residence is located in that jurisdiction, Barber said. You can make an appointment between 8 a.m. and noon Monday through Friday. Tax Bills Online Site last updated: 03/11/2023 Choose Collection: Welcome to the Online Tax Portal We hope you find this as an easy and convenient way to lookup information on your tax bill. There is one option available to Guilderland to help offset the burden that fell harder on some taxpayers this year: It could request a special equalization rate for the segment of town hardest hit by the new tax bill. 7 PM on August 24, 2021 Enterprise file photo Melissa Hale-Spencer. Its been a fantastic experience, she said. This should solve the problem, but the re evaluation will take two years so we still have a problem for 2018. 5-1t, LEGAL NOTICE Pay a bill or notice; Request an installment payment agreement; . Visit the Special Education page for information about special education services for students, and to contact Special Education staff. Essentially, that means home valuations for the neighborhood would be set on a more granular level, focusing on Weatherfield and running out toward a nearby industrial park, rather than being lumped in with the broader valuation applied to the town as a whole, said Guilderland Supervisor Peter Barber. Payment maybe made by check, cash, or credit card. If you have any further questions about your tax bill, please contact your local Tax Collector. Payments can be made January 1 - 31, without penalty. WEATHERFIELD PHASEONE HOMEOWNERS' ASSOCIATION, Altamont Enterprise 11.15.17 reserve funds, guilderland_residents_win_round_in_tax_fight_-_albany_times_union_2018-06-30.pdf, power_point.informal_review_workshop_to_post. Village of Voorheesville tax bills and water bills are mailed in early June. 4: Place of Registration: Board members were cognizant of their delicate situation as they discussed decreasing bills of a few while increasing taxes for many. Even the ORPS panel said they were sorry it was a flawed process, Reilly said, referring to the appointed board that oversees the agency. Newhouse School of Public Communications in 2011, with a bachelor's degree in journalism and political science. Others saw similar jumps, with some learning that their homes had been assessed, or valued for taxation purposes, at more than what they paid, even after recent purchases. Local notices: Aug. 19, 2021. In Guilderland, the revaluation hadnt been done since 2005. In order to feel confident in the system, you really have to look at more like 60 or 70 properties, and make sure they're a representative sample.". 4466 South Onondaga Rd. Some school leaders say a countywide revaluation program would help eliminate the large tax increases that are seen when individual towns set their own levels of assessment. Town/County Tax Bills are Due Annually. If the school board were to adopt the additional tax break, the 2-percent increase, or additional 32 cents per $1,000, would be spread across the rest of the district, putting the new true value at about $16.32 per $1,000 assessed value. Assessment Rolls. Estimated school and library tax rates for the 2022-23 school year, per $1,000 of assessed value, are: Bethlehem - $20.094900. 5: Place of Registration: For School Tax Information contact: For Village of Voorheesville Tax Information call 518-765-2692 For Bethlehem Town Tax call 518-439-4955 x6 Mailing Information Town and County tax bills are mailed in early January. One such fix would require the appeals process to start earlier. Meanwhile, the Voorheesville School Board at its January meeting discussed doubling the exemption veterans receive on their property tax bill. As a reminder, taxpayers cannot make tax payments within the school district. Altamont, New York 8. All rights reserved. The break veterans receive on their Voorheesville school taxes has been around since 2013, when the state legislature expanded existing property tax law in effect since the 1980s that applied to counties, cities, towns, and villages. We would like to show you a description here but the site won't allow us. - Manage notification subscriptions, save form progress and more. The rear yard setback requirement in this zone is 20 feet. The Town of New Scotland will administer the following licenses and permits on behalf of Voorheesville residents: - Manage notification subscriptions, save form progress and more. Pitts / Latham Fire Protection District, Shaker Rd - Loudonville Fire Pro. That 32 cents per $1,000 would be added to every tax bill in the school district; so the additional . Its a time-consuming process, Centi said of tracking the volunteers service time. There are three levels of exemption: wartime veteran, combat veteran, and disabled veteran. From October 1, 2021 through November 1, 2021, in accordance with Section 2130 of the Education Law and Section 1328 of the Real Property Tax Law, a penalty will be charged at a rate of 2%. 3253. Onondaga: Melinda Mayer: Onondaga Central School . This, number one, was an issue of fair treatment, said Diane Reilly, who with her husband, James, began rallying residents of the Weatherfield neighborhood after getting their school property tax bills last year. Proposed tax levy The third tax levy number is arguably the most important. All three live on the outskirts of town and pay taxes to the Voorheesville school district. 1 - includes all of the lands contained within the boundaries of the Altamont Elementary School zone. Create a Website Account - Manage notification subscriptions, save form progress and more. NOTICE TO TAXPAYERS FROM THE VOORHEESVILLE BOARD OF EDUCATION. Linda M. Pasquali We producefree election guides, curatereaders' opinion pieces, and engage with important local issues. As a result, a package of bills sponsored by Democratic Assemblywoman Pat Fahy and GOP Senator George Amedore were passed during the last session. The earliest the program could go into effect would be March 2024. This website was produced by the Capital Region BOCES Communications Service, Albany, NY. Has previously covered education and state government and wrote about natural resources and state government in Colorado and Maine. It all goes towards recruitment and retention, which has kind of been a hidden bugaboo of the volunteer fire department for a number of years, Donald Gaitor, a 50-year volunteer firefighter, told Guilderland Town Board this month. Chairman Zoning Board of Appeals Village property taxes are billed on June 1 of each year and due without penalty by June 30. Bethlehem Central School District website. For instance ORPS looked at only 10 of more than 400 commercial properties in Guilderland. Penalties cannot be waived by a village official if payment is not made in a timely manner. "It's very unfortunate. Military ballots will be mailed or otherwise distributed no later than 25 days before said Special District Meeting. . By Order of the The school tax collector will be on duty in the school business office to answer questions during the following hours: September 1 - November 2: Monday - Friday, 9am - 2pm PLEASE NOTE: Tax bills will NOT be accepted in-person at the district. Email: Jessica Northan, President "I think everyone acknowledges it's a flawed process, but it's the process we have," said Matthew Rand, one of three members on the board. So, if they dont meet that criteria, then they arent really an active volunteer firefighter. Info-Tax Online Info-Tax Online WHEELERVILLE UNION FREE SCHOOL Fulton County. Fahy wants residents to have more advance warning of a large bill and if the increase is especially large more time to pay. LaFayette Central School. Make checks payable to: Voorheesville Central School District Penalties are calculated per month. Assessing: 518-439-9020 Building: 518-439-9153 Courts: 518-475-0493 . Neil T. Sanders Equalization corrects for that, and allows school districts to determine the market value of communities in their jurisdiction and tax them accordingly. Notice is hereby given that I have received the tax list and warrant for the collection of school taxes in the Voorheesville Central School District. No collections will be accepted after November 1, 2021. Proposed Draft Local Law Wind Energy Systems The break veterans receive on their Voorheesville school taxes has been around since 2013, when the state legislature expanded existing property tax law in effect since the 1980s that applied to counties, cities, towns, and villages. Councilwoman Rosemary Centi said volunteers would be eligible for either a 10-percent property-tax abatement or 10-percent income-tax credit. You may receive a greater benefit. That 32 cents per $1,000 would be added to every tax bill in the school district; so the additional estimated total dollar value that the school districts other taxpayers would have to pick up for its veteran residents would be about $400,000. Get help. Timely payment of all bills is the responsibility of the property owner. See www.hmrrc.com for detail., LEGAL NOTICE Town Hall 2029 New Scotland Road Slingerlands, NY 12159; Department Numbers. Coeymans - $18.191400. Such Bond Proposition shall appear on the ballots used for voting at said Special District Meeting in substantially the following condensed form: The board will hold a public hearing on the local law on March 21, at 7 p.m. Another woman who worked for a lobbying firm, tracked the legislation. The Village of Voorheesville is looking to hire a part-time laborer to work with the Dept of Public Works. You can reach him at rkarlin@timesunion.com or 518-454-5758. There have long been complaints about what critics say is a crazy quilt system of calculating taxable values. For a more detailed explanation you can read the letters we received from: The Town of Guilderland will be re evaluating all properties which will set the equalization rate to 100% and eliminate the ORPTS adjustment. 2400 Voorhees Town Center Voorhees, NJ 08043 Phone: (856) 429-7174 Fax: (856) 429-3766 Guilderlands local law is based on the countys law, which is based on the amount of service a volunteer has, which in turn is based on a point system of activities performed by firefighter or member of an ambulance corps. 7. Property Location: SWIS Code: Tax Map Number: Tax Bill # Clear Search Criteria. PAY TO: 900 North Bush Rd, Johnstown, NY 12095 (518)332-8358: . Upper and lower case differences are ignored. SCHOOL ELECTION DISTRICT NO. All payments must be submitted by mail to the address below. Tax rates are based on the total tax levy in the voter-approved school budget, the state-determined equalization rates, and assessment rolls for each town. A list of all persons to whom absentee ballots shall have been issued will be available in the office of the Clerk on each of the five days prior to the day of the election, except Saturday and Sunday, between the hours of 8:30 oclock A.M. and 4:00 oclock P.M. (Prevailing Time). Per the state constitution, this would be considered a gift of public funds. If your income is $250,000 or less, you have the option to switch to the STAR Credit by registeringwith the NYS Department of Taxation & Finance: Updated: April 19, 2021 (d) that the District may receive certain Federal aid to finance a portion of the costs of the Project and the amount of taxes herein authorized to be levied and the amount of bonds herein authorized to be issued may be reduced by the amount of any Federal aid so received by the District. "We have more than 400. Zoning Board Info-Tax Online Info-Tax Online. For those taxpayers who are having their school taxes paid through an escrow account, the district recommends contacting your bank to ensure proper payment. To find the amounts in your jurisdiction: Note: The amount of your 2022 STAR credit or STAR exemption may have been less than the amount shown below. Subscriptions open full access to our work and make it possible. 2022 School Tax bills may be paid on-line, on THIS WEBSITE, with MasterCard, VISA and Discover CREDIT CARDS or by Electronic Check. Clerk Treasurer Town of Westerlo NOTICE TO BIDDERS You must follow CDC guidelines for social distancing. The Military Voter may indicate their preference for receiving the application by mail, by facsimile or email. ATC Taxes - TaxLookup.net Town of Guilderland Schools Make Checks Payable to: Lynne M. Buchanan, Receiver of Taxes Mail to: Lynne M. Buchanan, Receiver of Taxes PO Box 339, Guilderland, NY 12084 (518) 356-1980 BuchananL@togny.org You can search. Owner Name: Here you can enter a whole or partial owner name. In Guilderland, unusually large school tax bills prompt calls for reform, Here are your picks for the Best of the Capital Region 2023. Dated: August 11, 2021 ORPTS did not impose a similar adjustment for properties in the Town of New Scotland. Select a District or Municipality from the list to the right by clicking on the district name. Copyright . Two fence variances to be reviewed and Northern Barrell to address items in regard to outdoor live music. Last year, Governor Kathy Hochul signed into law a bill that allows local taxing jurisdictions to offer a property tax break to volunteer firefighters and volunteer ambulance workers. The power point presentation is posted on the Town of Guilderland website. Pine Bush Elementary School But, he said, What gets complicated very quickly, or maybe ambiguous very quickly, is that the state then says each taxing jurisdiction has to set forth the procedure by which eligibility will be determined.. I dont know if we have any volunteer ambulance workers, Barber said. 6. Dated: August 10, 2021 While the Weatherfield problem is being addressed, lawmakers and others said its symptomatic of wider problems with property tax values and how they are set for the purposes of taxation. After more than 100 residents showed up to a Guilderland town board meeting last week to protest the taxes, town and state leaders are scrambling to come up with a remedy that will help residents in the short term and, they hope, change the system in the long run. Among the spots looked at were properties in the high-end Stuyvesant Plaza. Another resident who lives nearby, Vince Crisafulli, a small business owner and father of two, saw his taxes climb 14 percent too. Bethany Bump wrote about health, including state and local health policy, addiction and mental health for the Times Union. Deborah Baron State officials at the time admitted they didnt have enough staffers to fully assess all of the towns real estate. As per New York State Real Property Tax Law, failure to receive a tax bill "shall not in any way affect the validity of the taxes or interest". As a result, Fahy and Amedore put together a package that provides for notifications of increased valuations and, perhaps most importantly, would allow for a segmented rate, in the Weatherfield neighborhood. NOTICE IS FURTHER GIVEN that Military Voters may register to vote and/or apply for a military ballot from the District Clerk at 8 School Road, Guilderland Center, New York; Telephone: (518) 456-6200 ext. . He added that Guilderland will be doing a town wide revaluation this coming year. Be aware that homeowners are responsible for all Village bills and timely payment - even if they do not receive the bill in the mail. Visit the Counseling page to learn about services available to support students personal, social, academic and career development, and to contact school counselors and support staff. As per New York State Real Property Tax Law, the Tax Collector may not accept partial payments of taxes. Learn why. A minimum payment is billed in advance for 20,000 gallons; any overage is billed the following year. RESOLVED: 3; (4) Westmere Elementary School, 6270 Johnston Road, Albany, New York, for those persons residing in School Election District No. To ensure that STAR credits are issued timely, we request expected tax rates from the school districts. We tallied the votes from this years Best of the Capital Region contest in 100 categories. Crawford then asked Dempsey to estimate the active number of firefighters Dempsey had currently, five years ago, and 10 years ago. "I mean, obviously we feel terrible about it," he said. "It's a crime," said Reilly, 68. VOORHEESVILLE CENTRAL SCHOOL DISTRICT - December 31st. You vote on your school budget in May. They would not be able to get both, she said, recounting her conversation with the towns assessor. Albany County, New York. Albany County, New York, The Guilderland Comprehensive Plan Update Committee: Slow off the block, Eight acres added to pine bush and the preserves not done. A A View Online Property Tax Bill/Receipt Town Assessment and Tax Information Directions for Online Property Tax and Bill Receipt Note: For online school tax bill and payment information, please visit your school district website listed below. When you have such a small sample the slightest change has a more magnified impact, Fahy said. Postmarks of November 1, 2021 will be honored. 117 Grand Street Notice is hereby given that the Town of Westerlo Town Board will continue four Public Hearings on Tuesday, September 7, 2021 at 6:00 PM at the Richard H. Rapp Municipal Building (Town Hall) located at 933 County Route 401, Westerlo, NY 12193. NOTICE OF COMPLETION OF ASSESSMENT ROLL Specifications may be obtained at the Administration Offices, 8 School Road, Guilderland Center, New York. 1: Place of Registration: Absentee ballots must be received by the District Clerk no later than 5:00 oclock P.M. (Prevailing Time) on October 7, 2021. Albany, New York Any bills that remain unpaid on November 1 will be sent to the county and will appear on your Town of New Scotland tax bill in January, along with additional penalties. Box 18, Guilderland Center, NY 12085 on September 7, 2021 at 2:15 p.m. for the following bid: Environmentally Friendly Ice Melt. District; Planning Commission - May 2nd . Tax payments will be accepted by the Town of New Scotland Collector beginning January 1st and continue through March 31st. Notice is hereby given that the Zoning Board of Town of New Scotland, New York will hold a public hearing pursuant to Chapter 190, Article IX, Section 190-73 of the Zoning Law on the following proposition: The issue was two-fold: This small section of Guilderland, along Route 155 near the Albany Country Club, is in the Voorheesville rather than the Guilderland school district. Members of the state board of Real Property Tax Services conceded on some of these points, but ultimately said there was nothing they could do. The table below displays the final STAR credits and STAR exemption savings that homeowners received in 2022. 3307 Voorheesville Central School District buses are parked outside the elementary school on Thursday, Sept. 28, 2017, in Voorheesville, N.Y. (Will Waldron/Times Union), Exterior of the Voorheesville Elementary School on Thursday, Sept. 28, 2017, in Voorheesville, N.Y. (Will Waldron/Times Union), Exterior of the Voorheesville Middle School on Thursday, Sept. 28, 2017, in Voorheesville, N.Y. (Will Waldron/Times Union), A Voorheesville Central School District bus is parked outside the elementary school on Thursday, Sept. 28, 2017, in Voorheesville, N.Y. (Will Waldron/Times Union), Voorheesville Middle and High School entrance sign on Thursday, Sept. 28, 2017, in Voorheesville, N.Y. (Will Waldron/Times Union), Head coach, several players out at Albany Empire after pay issues, Bride dies at beach when speeding DUI driver slams golf cart. The sticky wicket is that, since the state legislation didnt say what criteria to use when determining eligibility, Barber said on Jan. 17, municipalities have to come up with their own criteria the point system is based entirely on the firefighters service award program. Read on. Visit the Food Services page to learn about school menu and meal prices, and to download a Free and Reduced-Price Meals application. We producefree election guides, curatereaders' opinion pieces, and engage with important local issues. . (Pursuant to Section 506 of the Real Property Tax Law). 445 Delaware Ave., Delmar, NY 12054 | Ph: 518-439-4955 | Monday - Friday 8:30 a.m. - 4:30 p.m. Village of Voorheesville; Hilton Barn; Contact Information. Voorheesville, NY 12186 Reilly, a retired teacher, took charge of the email communications while another resident dealt with the state. Pursuant to Real Property Tax Law, Section 1590, tentative and final assessment rolls will be posted online within ten days of the filing of the roll. Southard responded, Thats kind of the issue, its not really a tax increase so that the state doesnt consider it that. And Bill Young, an attorney who lives nearby, saw his climb 12 percent. BOND PROPOSITION Public Notices. Upper and lower case differences are ignored. Voorheesville, NY 12186 Where can I view the assessor's Power Point from the December 12, 2017 workshop? April 30th; School Taxes are Due. View our accessibility statement. The state legislation authorizing the exemptions allowed municipalities to pass local laws and school districts to adopt resolutions to use two sets of lower exemption limits or 21 sets of higher limits, with caps that top out at $75,000, $125,000, and $250,000.

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