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Mon 9 Aug, 2010 07:57 am
My beautiful hardwood floors took some damage when our roof leaked. The insurance company will replace the living room and dining room, not the foyer, but the exotic dark cherry we had installed over ten years ago has proven very difficult to find and it looks like we'll have to select a different floor and color altogether. It would be ridiculous to have the LR and DR one color and the foyer another, right? If it's not an exact match, that would look kinda crazy, right? Like a silver car with one black door. And since, through no fault of ours, the floors must be replaced, shouldn't the insurance company back having everything done, including the foyer?
@eoe,
I had a similar situation ... with just a little water damage to a few planks of hardwood flooring in one room, the contractor told my insurance company they could not match the new planks to the 15 year old planks, so my insurance company ponied up to replace the entire floor in all rooms. So, yes, your insurance company should make it look right.
@eoe,
Why is the insurance company not replacing the flooring in the foyer? Is it because the foyer didn't suffer any damage? If that's the case, then I would think that you'd need to pay for the new flooring in the foyer.
@joefromchicago,
joe, i don't like your answer. I like Tico's much better. But thanks for your input.
Only the LR suffered damage. The DR wasn't touched but they elected to replace it. The foyer wasn't touched either but I can't have my foyer a different shade or grade or kind of wood. What would that do to the value of my house???
@eoe,
It depends on the policy you hold - and who it's with.
You definitely get what you pay for in this sort of instance. A more comprehensive policy (with a correspondingly higher premium) is more likely to get you new foyer flooring than a basic policy is.
Check your policy wordings.
@eoe,
Well, if only one room was damaged but they are paying for two, I'm not sure why they wouldn't pay for three. But then nobody ever said that insurance company decisions always make a whole lot of sense.
@joefromchicago,
ahhhhh, much better Joe. That's kinda how I saw it too. If they're already paying for a room that wasn't damaged, what's the big deal on the foyer, which of course is much smaller?
I haven't broached this subject with them yet but was just curious about the possibilities because I'm not having any luck in finding our dark brazilian cherry. Even our original floorer no longer carries it.
@eoe,
You might try calling the insurance commissioner of your state to see if the insurance company is obligated to make your floors visibly similar, or they have the choice to pick and choose what can be done.
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