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Question: I have a client who is a condo tenant, and has renter's insurance. The client has put in new curtains, wood flooring over the existing tile in one room, and wall-to-wall carpet in another room.
There was a water leak from a unit above that damaged the unit my client is renting. The adjuster for their renter's policy is making payment for their curtains and carpeting, but is saying that since the wood floor cannot be removed without destroying it, then it is structure and not contents and so they are denying that portion of their claim.
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