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I recently experienced a flood in my condominium, and my hardwood floors, which are only 4 years old and were in excellent condition prior to the flood, were severly damaged. I have requested that the floors be replaced; however, Allstate claims their position to be that "if a damaged floor can be sanded & refinished, that is what their policy will cover." They then referred to their customizer policy, which they state was in force at the time of the loss, specically pg. 19, coverage A, Conditions #3, which they state says "we have the option to repair, rebuild or replace damaged or destroyed property."
I have spoken with several contractors who have told me that the entire floor needs to be replaced due to the fact that the floors are interlaced. Allstate states that they will only pay for the replacement of some of the wood in the floor and the rest can be sanded and restained.
I am requesting that the entire floor be replaced so it will be put back into the original condition it was in prior to the flood.
I would appreciate your response on this matter ASAP since the contractor is scheduled to begin work within the next few days.
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