The home owned by Steven Barnwell and Bambi Stetler floodedwhile it was being renovated. The next day, they reported the floodto Liberty Mutual Insurance Company, their homeowner's insurer.

Liberty hired a restoration company to prepare an estimate ofthe damage. That company noticed that one marble tile was loose inthe kitchen but concluded that the remaining tiles and subfloorwere secure, so it provided an estimated amount to repair the loosetile.

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