If there is water damage to the lower cabinets but not to the upper cabinets does the pair and set clause provide coverage for replacement of the upper cabinets even though there was no direct damage from flood?

Texas Subscriber

The flood policy is very clear about paying for damaged property only; the pair and set clause reads as follows:

A. Pairs and Sets

In case of loss to an article that is part of a pair or set, we will have the option of paying you:

1. An amount equal to the cost of replacing the lost, damaged, or destroyed article, minus its depreciation;

or

2. The amount that represents the fair proportion of the total value of the pair or set that the lost, damaged, or destroyed article bears to the pair or set.

The policy pays for the damaged portion of the cabinets only, and not to replace the undamaged cabinets so that they match.