The insured had an upstairs water loss that filtered down to the first floor, damaging and destroying a couch. There was a matching love seat that was not damaged, but the insured wants both items replaced.

Assuming this question relates to the pair and set conditions, it appears we owe the value of the love seat determined by the before and after the loss values. Do you agree?

How would you determine the value? Would using ACV depreciation calculations work? Is the value reduced at all?? The set cannot be duplicated.

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