As is very common the tile base trim on the front porch of the home is installed on top of the exterior synthetic stucco (EFIS). For those of you who do not know EFIS is essentially comprised of what amounts to Styrofoam with a thin layer of synthetic stucco applied to the surface. The synthetic stucco has been damaged by hail and must be replaced. When the stucco is removed the tile base will be damaged. The tile base matches the tile floor on the front porch. The tile flooring runs continuous into the home and is then continuous throughout the home. See the fifth picture for the continuity of the tile.
Does the insurer owe to replace the tile floor throughout the home?
|The insurer owes to replace the tile flooring throughout the home as it is continuous from the damaged area.||1 (100%)|
|The insurance carrier only owes for the stucco. If their contractor breaks the tile base when removing the stucco then they should sue him.||0 (0%)|
|The base should not be removed. Just cut the stucco even with the base and do a patch job. Most people will not notice.||0 (0%)|
|The insurer does not owe to match the tile even though it does not say that in the policy.||0 (0%)|
|The insurer owes only for direct physical damage. Surely you know that means they do not have to match right?||0 (0%)|
|Stephen Hadhazi|| - ||The insurer owes to replace the tile flooring throughout the home as it is continuous from the damaged area.