Different strokes for different folks lololololHere’s another example.
If a customers toilet tank cracks and floods their home, their insurance will pay for all the water damage and clean up.
The insurance company has never paid for the the new toilet or labor to install. Not here, not ever.
The reason I was given is a because the insurance company doesn’t pay for maintenance of fixtures or replacement.
When I repair leaks in walls or under slabs the insurance company wants two invoices from me. One that shows all the tear out and destruction that I do in order to repair the leak. The other invoice shows the actual pipe replacement or repair cost.