Latest update: February 16th, 2012
Reb Chaim then said that even if the obligation of someone who damaged is to replace the broken item, he is only obligated when there is a loss. If there is no loss whatsoever, he is not a mazik (damager), and would thus not be responsible. Therefore, if the remaining stamp is worth less than the combined value of both stamps (less than $100) – namely that the owner incurred a loss – he is considered a mazik, and will therefore be obligated to replace the stamp at full cost.
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