Floor Replacement Query
We recently experienced water damage, and our insurance covered the costs for replacing all the flooring on the ground level due to our open floor plan. We initially had solid oak floors but are considering switching to wood plank laminate for the replacement. However, our contractor is now stating that we must use “like and kind flooring.”
We’ve consulted several contractors, all of whom assured us that we could choose any flooring we wanted. I’m confused about this new requirement. Is anyone familiar with similar situations? Is it true that we can’t choose our preferred flooring? I’ve already reached out to the insurance company for clarification, but I’d love to hear if anyone else has dealt with this issue. Thank you!
It’s understandable to be confused by the different opinions from contractors regarding your flooring replacement. Generally, the term “like and kind” means that the insurance company wants you to replace the damaged flooring with something that is similar in quality, type, and function. However, this can sometimes be interpreted differently depending on the insurance policy and local regulations.
Since you’ve received varying advice, it might be helpful to review your insurance policy for any specific language regarding flooring replacement. Additionally, since you’ve already contacted your insurance company, it’s good to wait for their response, as they can provide clarification on what is acceptable in your situation.
If you still feel uncertain, you might consider reaching out to a third-party claims adjuster or a public adjuster who can advocate for you and interpret your policy. They can help ensure you get the replacement flooring you desire while remaining compliant with your insurance requirements. Good luck with your project!