Replacement of Broken Tiles

I have a broken tile claim where the home has the same tile throughout and the insured is requesting replacement of the tile throughout the entire house because it can no longer be matched. The carrier has agreed to pay for the tile in all areas except the bedrooms. Management says that those rooms have “natural breaking points”. There are no thresholds or breaking points evident in any of these rooms. Shouldn't the carrier have to pay for the complete replacement? Thanks in advance.

California Subscriber

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis