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Although an insurer may authorize repairs, when a property owner decides to do more extensive restoration, the carrier may refuse coverage. (Photo: Shutterstock)

The home owned by Steven Barnwell and Bambi Stetler flooded while it was being renovated. The next day, they reported the flood to Liberty Mutual Insurance Company, their homeowner’s insurer.

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

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