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Does my home insurance have to provide the same quality materials for damage replacement?
My flooring in my kitchen was damaged by water leakage. I want to get the same quality tile and wood for my kitchen. Will the home insurance provide this? Or will they go as cheap as possible?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In most home insurance policies, dwelling and other structures are valued on a replacement cost basis. That means that you should get the same quality of materials without any issue unless your policy excludes water leakage.
The insurance company will likely have you submit an estimate to replace your floor and tiles. As long as it’s approved, you’ll be able to replace your tiles and floors with the same materials.
Keep in mind that your rate might go up after this, much as it would if you put in a claim on your
car insurance
.If you want help finding home insurance but worry about the price, use
Jerry
. Jerry gathers quotes from the 50 top insurance companies and delivers the best deals to your phone in minutes.”View full answer
- Gregory R.
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