Posted On: March 29, 2007, 3:55 pm CDT

Posted By: dh

If the insured can't get the basic benefits provided in the policy because of the different interpretations of what the policy does or doesn't pay for. The policy as given to the insured lists some items explicitly. But many things are not spelled out, like kitchen cabinets, how much of the wall will be paid for - replace 2-3-4 ft. If they only pay to replace 3 ft up - they also only to paint 3 ft up. That's a very uneven looking wall in the end. If that's the way a policyowner is going to be re-imbursed - this needs to be spelled out in the policy. At the moment - we don't get this knowledge until a claim is filed and we then have to take the adjusters word for it. It's an the unwritten side of the policy.