Not All Insurance Contracts Promise To Make Insureds Whole After Losses

During a recent FC&S coverage meeting, a heated debateas heated as insurance policy wonks getarose over cosmetic damages and whether an insurer is required to replace undamaged property if matching materials cannot be found to replace what was damaged.

FC&S has been on record that, yes, the shingles, siding, carpetingwhateverall need to match in order for the insured to be restored to pre-loss condition. But, like the law, evolution in theory changes and were apt to reopen Q&A discussions when the need arises.

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