Property & Casualty Insurance/re: hardwood floors

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Question
Hi,

My insurance company is Nationwide and they have agreed to replace my hardwood floors due to water damage. Do I have to go with the same type of wood which is pre-engineered or can I change to solid hardwood?

Thank you,

Mark

Answer
Mark:

Within your insurance company adjuster's estimate, he/she will pay you to replace your hardwood floors with "like, kind and quality".  If you choose to replace them with a different product, that's fine.  Just be aware that if your new flooring choice is more expensive, your insurance company is not obligated to pay you any additional funds to make up the difference.  Take lots of pictures during and after the repairs to show your insurance company that the repairs are finished.  They may hold back some of your funds until the repairs are done and you produce photos and/or a paid receipt from the contractor that did the work.  I hope this answers your question.  Have a great day!

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Dominick Belinchak, Insurance Adjuster

Expertise

Property & Casualty Insurance Claims -- Residential & Commercial. I've worked for approximately 20+ insurance companies and have adjusted just under 1,000 claims, including residential & commercial losses that involve business interruption, fire, smoke, pipe break, hurricane, sinkhole, flood, water damage, mold, theft, vandalism, rental properties, appliance water leaks and others. If you are hitting a "brick wall" with your insurance company or insurance adjuster, or have a coverage question, please feel to ask. I'm here to help you!

Experience

Texas Independent Insurance Adjuster 2004-current Florida Insurance Adjuster 2009-2014

Education/Credentials
BS Business Administration USF (Tampa) -- 1992

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