Does insurance repair/redecoration apply to the whole room or only the affected area?

1122abc

I’m asking about a house that has been damaged by escape of water. 

If a room has a ceiling that is 50% wet/damaged and two walls (out of four) that are wet/damaged, is the damaged area repaired or the entire room?

Can the insurance do a patch job repair? 

Existing ceiling is popcorn, which they say they can’t do, they can only do a smooth ceiling, so will the ceiling be half popcorn and half smooth? Doesn’t this make the room look worse than it was before the escape of water?

The room has plain wallpaper that is painted. So will half the room have new plain (white) wallpaper and the other half what’s there already?

I can’t find much on google, just curious to know how this will work

DullGreyGuy

Depends if you have Matching Set cover or not. 

If you have matching set then they replace everything that looks the same.

If you dont have matching set then they have to only cover the damaged portions and make a 50% contribution to replacing the undamaged elements in the same room on, potentially production of evidence that you've replaced the remainder. 

Where it gets more complex is if you've matching across multiple rooms (eg same carpet on the whole ground floor with no door strips. Generally without matching cover the extra contribution will still be limited to only that room not the whole floor. 

Annemos

And they even only paint the one side of a door that faces into the damaged room. 

BarelySentientAI

I always think about checking whether I have matching set cover when I read these threads, and then never get around to it because it's not renewal time.

I think I'm with a pretty budget insurer though, so probably not.  Something to put on the list for next time.

DullGreyGuy

BarelySentientAI said:

I always think about checking whether I have matching set cover when I read these threads, and then never get around to it because it's not renewal time.

I think I'm with a pretty budget insurer though, so probably not.  Something to put on the list for next time.

Its funny because people often say they dont have sets of jewellery or hifi separates etc so dont need it but dont consider that their kitchen is made up of a set of units, like wise bathroom or sofa or dining table and chairs etc. 

It makes a vast difference in claims values,  saw one claim where someone dropped something in their small utility room and broke the floor tile. Very nice tiles, not made any more. Without matching set cover probably a few hundred after the excess to de do the utility room but they did have cover and the whole ground floor has the same tile. Ended up a 5 figure claim in the end.

1122abc

DullGreyGuy said:

Depends if you have Matching Set cover or not. 

If you have matching set then they replace everything that looks the same.

If you dont have matching set then they have to only cover the damaged portions and make a 50% contribution to replacing the undamaged elements in the same room on, potentially production of evidence that you've replaced the remainder. 

Where it gets more complex is if you've matching across multiple rooms (eg same carpet on the whole ground floor with no door strips. Generally without matching cover the extra contribution will still be limited to only that room not the whole floor. 

The policy wording is quite vague on this. It states that matching cover is not offered for furniture and toilet suites and that’s it. No mention of flooring or ceilings. I’m just trying to budget for another decorator/builder to match the new work with the existing decoration. 

DullGreyGuy

Do you have a link to the policy book?