Hail Damaged Brick


 

The 6 attached pictures are of red brick damaged by hail. If the brick cannot be matched do you believe the insurance carrier owes to replace all of the brick. Many insurance carriers argue that since the damage to the brick is only asthetic and not "functional" that they do not owe anything - or at best an arbitrary amount of a few hundred dollars for what they refer to as an "Appearance Allowance". However most property insurance policies make no distinction between "Functional" and "Asthetic Damages". Please click below to log into the Facebook App and answer the poll to let us know what you think.

Posted By:
Stephen Hadhazi

10/04/2012 08:55

 

Answer this poll below

I believe that if the brick cannot be matched the insurer must pay to replace it all
I believe that the ambiguity as to what is owed for under the policy should be construed in the favor of the insurance carrier
I believe that the insurer should pay a small allowance that they deem reasonable without regard to what the policyholder feels is reasonable


 

Poll Answers

I believe that if the brick cannot be matched the insurer must pay to replace it all7 (100%)
I believe that the ambiguity as to what is owed for under the policy should be construed in the favor of the insurance carrier0 (0%)
I believe that the insurer should pay a small allowance that they deem reasonable without regard to what the policyholder feels is reasonable0 (0%)


Richard K Bahena Sr. - I believe that if the brick cannot be matched the insurer must p
Jeremy Collins - I believe that if the brick cannot be matched the insurer must p
Stephen Hadhazi - I believe that if the brick cannot be matched the insurer must pay to replace it all
Ray Choate - I believe that if the brick cannot be matched the insurer must pay to replace it all
Rahul Varshney - I believe that if the brick cannot be matched the insurer must pay to replace it all
Rory Martin - I believe that if the brick cannot be matched the insurer must pay to replace it all
Steven Venook - I believe that if the brick cannot be matched the insurer must pay to replace it all