The insured's dwelling sustained substantial water damage. There was no insurance on the contents but the house was occupied and fully furnished. The contractor has included the cost of some contents manipulation in order to replace the floors and floor coverings. The insurance company is refusing to pay, claiming that is a contents expense. I disagree. The only way to repair the dwelling is to move the contents out of the way. Is the removal of contents covered in the cost of repair?

Kentucky Subscriber

The cost to remove the contents should be covered; you are correct in that they have to be moved to fix the floors. The contents aren't being replaced or repaired, they're being relocated in order to make repairs to the dwelling – that's a repair expense for the dwelling, and not a contents expense.