Does my home insurance have to provide the same quality materials for damage replacement?

My flooring in my kitchen was damaged by water leakage. I want to get the same quality tile and wood for my kitchen. Will the home insurance provide this? Or will they go as cheap as possible?

Answer
“In most home insurance policies, dwelling and other structures are valued on a replacement cost basis. That means that you should get the same quality of materials without any issue unless your policy excludes water leakage.
The insurance company will likely have you submit an estimate to replace your floor and tiles. As long as it’s approved, you’ll be able to replace your tiles and floors with the same materials.
Keep in mind that your rate might go up after this, much as it would if you put in a claim on your car insurance.
If you want help finding home insurance but worry about the price, use Jerry. Jerry gathers quotes from the 50 top insurance companies and delivers the best deals to your phone in minutes.”
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Eric Schad
Answered on Aug 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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